Keel: Budget & Expense Tracker

Most money apps answer one question: how much did I spend this month?
Keel answers three: what do I own, where did the money go, and did I actually gain or lose this period?
Double-entry bookkeeping underneath. No accounting jargon on top.

THREE REAL STATEMENTS — NOT A SPENDING PIE CHART
• Balance sheet: cash, savings, holdings, stored-value cards, mortgages, loans and credit cards — one net worth number
• Profit statement: income and spending plus asset gains and losses — what you actually earned or lost
• Cash flow statement: transfers aren't spending, buying an asset isn't losing money, paying a card isn't consumption
• Identity checks built in: when the books don't balance, Keel shows you where

SEE WHAT'S COMING, NOT JUST WHAT HAPPENED
• Liquidity runway: how long your cash lasts, with bills, installments and paychecks projected in (Premium)
• Net worth outlook: where net worth is heading, and when the last payment lands (Premium)
• Income and expense trend: past and future side by side — the future only shows what's scheduled

YOUR LIABILITIES, FINALLY MODELED
• Credit cards: statement cycles, statement and due dates, card installments
• Loans: draws, repayment calendars, principal and interest split per period, early payoff, refinancing (Premium)
• Buy now, pay later: orders, scheduled charges, refunds, conversion to installments (Premium)
• Settlements: money lent, borrowed, fronted or split — receivables and payables you can see
• Commitments: cash you've promised but haven't paid yet, at the foot of the balance sheet

TRACK IT IN SECONDS
• Custom number pad with built-in math and quick dates
• AI assistant: ask your ledger and draft entries from receipt photos — Apple Intelligence on device, not available in mainland China. 10 free messages a month, unlimited with Premium
• Categories, tags and projects — three dimensions you can mix freely
• Budgets: one free, any scope you like; sub-budgets with Premium
• Attachments: receipts, invoices and contracts as images or PDFs, or scanned in (Premium)

MORE THAN CASH
• Holdings and non-cash assets: buys, sells, cost basis, revaluation into the profit statement
• Stored-value and prepaid accounts, with optional amortization into expenses (Premium)
• Multi-currency: foreign-currency accounts and entries, base-currency conversion, online rates (Premium)

ON YOUR OWN, OR TOGETHER
• Multiple books for family, business or a project (1 book on the free plan)
• iCloud sync across your devices (Premium)
• Book sharing with role-based permissions — joining by invitation is free

YOUR DATA STAYS YOURS
• Full backup and restore, with optional password encryption
• On-device first — with sync on, data lives in your own private iCloud database, nowhere else
• No ads, no data selling, no third-party trackers

WHAT'S FREE
Tracking, all three statements, identity checks, credit cards, settlements, holdings, a monthly budget, this month's category breakdown, 3 goals, 10 assistant messages a month, backup and restore — unlimited entries, no time limit.
Premium adds: loans, buy now pay later, multi-currency and online rates, forward outlook charts, iCloud sync and book sharing, unlimited books, recurring transactions, goals and assistant messages, attachments, sub-budgets, full-range category analysis, and custom statement schemes.
When Premium ends, what you already built keeps calculating and stays viewable — you just can't create new ones. Everything you've recorded stays readable and backup-able.

SUBSCRIPTION
This app offers in-app purchases. Keel Premium is a monthly or yearly subscription (yearly adds a 1-month free trial) or a one-time lifetime unlock; prices are shown in the app. Subscriptions renew automatically unless canceled at least 24 hours before the current period ends, and can be managed or canceled in your App Store account settings.
Terms of Use: https://gwongsam.github.io/keel/terms/
Privacy Policy: https://gwongsam.github.io/keel/privacy/