# Keel: Budget & Expense Tracker — Net worth, ledger & cash flow > Net worth, ledger & cash flow (iPhone/iPad app by 飞 吕.) - Source: https://appshunter.io/ios/app/keel-budget-and-expense-tracker/id6791050289 (this page in markdown: same URL + `.md`) - Developer: [飞 吕](https://appshunter.io/developer/1851387805) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.0 · 80 MB - Languages: American English, Chinese (Simplified, China), Chinese (Traditional, Taiwan) - Released: 2026-09-15 - Data updated: 2026-09-17 - User reviews in markdown: https://appshunter.io/ios/app/keel-budget-and-expense-tracker/id6791050289/reviews.md ## What is Keel? 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 monthly total free, per-category limits 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, per-category budget limits, 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/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Monthly | $1.99 | per month | | Premium Yearly | $14.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Premium Lifetime | $39.99 | one-time | ## Version history (last 2 releases) ### 1.1.0 — 2026-09-16 KEEL IS NOW ON THE MAC One purchase covers iPhone, iPad and Mac — if you bought Premium on iPhone, the Mac app is already yours. The Mac version is a native rebuild: the balance sheet, entries, holdings and schedules are real Mac tables you can sort, multi-select, drag and rename in place; books, attachments, projects and the assistant each get their own window; press Control-Option-N to float a compact entry window over any app. APPLE WATCH • Record on your wrist: amount, category, account — three screens. Works without your phone, and syncs back when you reach it. • The main screen shows what you spent today, what's left in this month's budget, and when the next bill lands • Five complications, straight on your watch face DEDICATED FUNDS AND PLANS • Give money a job: a renovation, a trip, an emergency fund — draws and drift are both visible • Plans can be swapped or edited without losing history REGION AND LANGUAGE • Traditional Chinese interface added • Each book can carry its own region: institutions, installment terms, and date and number formats all follow it • The decimal separator in amount entry follows the region INVESTMENTS • Unrealized change over a bounded range now folds into returns; holdings missing a price are named instead of quietly dropped ALSO • The income and expense colour scheme now ships to match your interface language: red-in for Chinese, green-in for English. If you set it yourself, nothing changes. • The balance sheet opens faster • A batch of display and calculation fixes ### 1.0.0 — 2026-09-15 No release notes. ## More apps by 飞 吕 - [Compass AR - Sun & Moon](https://appshunter.io/ios/app/compass-ar-sun-and-moon/id6755030188) - [圆神相机](https://appshunter.io/ios/app/id6756509302) - [Cairn: Countdown & Days Since](https://appshunter.io/ios/app/cairn-countdown-and-days-since/id6805060074) All apps by 飞 吕: https://appshunter.io/developer/1851387805 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-17.*