Keel.

Your financial keel. Debts, budget, net worth and an AI coach grounded in the classics of personal finance — all on your iPhone, all private.

Private by architecture

• No account, no sign-up. Your data lives only on your device.
• The AI coach sees eight anonymous totals — never a name, a note, or a transaction. Messages you send to the coach are transmitted to our server.
• No analytics, no trackers, no ads.

AI-supported, you decide

The coach cites its sources — from Benjamin Franklin to modern budgeting methods — and offers options, not orders.