Pre-launch · Privacy-first

See your way out of debt.

Keel turns your loans, cards, and subscriptions into one clear picture — what ends, what doesn't, and what's quietly bleeding you. No account. No data leaving your device.

Keel is coming soon — follow along for the launch.

Keel home screen showing health score and three rings
The three rings

Your health, in three numbers.

Keel boils your finances down to three rings — each one answers a different question about where you stand.

Cash Flow ring detail screen

Cash Flow

Know if the money works each month — what comes in versus what's already spoken for.

Debt Health ring detail screen

Debt Health

See whether your debt is helping or hurting — moving you forward, or quietly working against you.

Resilience ring detail screen

Resilience

Know how long you'd last if income stopped — your real cushion, not a guess.

The insight

Not all debt is the same debt.

Most apps lump everything you owe into one scary number. Keel splits it apart — so you know exactly what you're dealing with.

Finite

Debt with an end date

Loans and installments that get smaller every month and eventually hit zero. These are progress, not panic.

Forever

Debt that doesn't move

Commitments that stay flat month after month unless you actively change something. Easy to ignore, easy to underestimate.

Revolving

The one quietly bleeding you

Credit card balances and high-interest revolving debt — the kind that grows in the background if you only look at the minimum due.

How it works

An honest read on your money.

Four screens, one job each: tell you the truth about where you stand, and what to do next.

Health score and three rings screen
1

Know if you're okay, in one glance

A single health score and three rings tell you where you stand the moment you open the app — no spreadsheet required.

Ledger screen showing net worth and commitments ordered by ease of access
2

Keel lays out exactly what to pay down first and why, so progress feels like a path instead of a pile of numbers.

AI Coach chat screen
3

Straight answers about your money

Ask the Coach anything about your finances and get a direct answer — grounded in your real numbers, not generic advice.

Payoff timeline screen
4

Watch the finish line get closer

A simple timeline shows your debt-free date moving in, month by month, as you make progress.

Health score and three rings screen Ledger screen showing net worth and commitments ordered by ease of access AI Coach chat screen Payoff timeline screen
1

Know if you're okay, in one glance

A single health score and three rings tell you where you stand the moment you open the app — no spreadsheet required.

2

Keel lays out exactly what to pay down first and why, so progress feels like a path instead of a pile of numbers.

3

Straight answers about your money

Ask the Coach anything about your finances and get a direct answer — grounded in your real numbers, not generic advice.

4

Watch the finish line get closer

A simple timeline shows your debt-free date moving in, month by month, as you make progress.

Built for privacy

Your money is your business.

No account. No server holding your financial life. Keel was built local-first from day one — not bolted on after the fact.

1

Nothing leaves your device

Your income, debts, and balances are stored locally — by default, we never see them.

2

No account, ever

No sign-up, no email, no password. Open the app and start.

3

You're in control

Edit, delete, or wipe your data at any time, from inside the app.

Keel home screen — your financial health at a glance, all on your device

Be first to know when we launch.

Follow along on Instagram and Threads — we'll post the moment Keel is live.