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 boils your finances down to three rings — each one answers a different question about where you stand.
Know if the money works each month — what comes in versus what's already spoken for.
See whether your debt is helping or hurting — moving you forward, or quietly working against you.
Know how long you'd last if income stopped — your real cushion, not a guess.
Most apps lump everything you owe into one scary number. Keel splits it apart — so you know exactly what you're dealing with.
Loans and installments that get smaller every month and eventually hit zero. These are progress, not panic.
Commitments that stay flat month after month unless you actively change something. Easy to ignore, easy to underestimate.
Credit card balances and high-interest revolving debt — the kind that grows in the background if you only look at the minimum due.
Four screens, one job each: tell you the truth about where you stand, and what to do next.
A single health score and three rings tell you where you stand the moment you open the app — no spreadsheet required.
Keel lays out exactly what to pay down first and why, so progress feels like a path instead of a pile of numbers.
Ask the Coach anything about your finances and get a direct answer — grounded in your real numbers, not generic advice.
A simple timeline shows your debt-free date moving in, month by month, as you make progress.
A single health score and three rings tell you where you stand the moment you open the app — no spreadsheet required.
Keel lays out exactly what to pay down first and why, so progress feels like a path instead of a pile of numbers.
Ask the Coach anything about your finances and get a direct answer — grounded in your real numbers, not generic advice.
A simple timeline shows your debt-free date moving in, month by month, as you make progress.
No account. No server holding your financial life. Keel was built local-first from day one — not bolted on after the fact.
Your income, debts, and balances are stored locally. The optional AI coach only ever sees an anonymised summary — no names, no banks, no account numbers.
No sign-up, no email, no password. Open the app and start.
Edit, delete, or wipe your data at any time, from inside the app.
Free on the App Store. No account needed.