Keel: Debt & AI Coach

Keel: Debt & AI Coach

See your debt clearly

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Free

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  • Released
  • Updated
  • August 29, 2026
  • August 30, 2026
Keel: Debt & AI Coach screenshot #1 for iPhone
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About

Keel is the first Malaysian money app built around that difference — so you always know which debt actually matters. Your Atome plan ends. Your credit card doesn't. Keel sorts everything you owe into three kinds: FINITE — BNPL & installments (Atome, SPayLater, EzyPay). These end. Keel shows you when. FOREVER — subscriptions. Keel shows what they really cost you. REVOLVING — credit cards. The one quietly bleeding interest. Keel flags it first. WHAT YOU GET FREE Financial health, honestly scored — Cash Flow, Debt Health, Resilience Your real leftover each month, and exactly how it's calculated A timeline of when each debt ends and your monthly load drops One-tap balance updates and gentle payment reminders KEEL PREMIUM An AI coach that gives it straight — "Which debt do I attack first?" "Can I afford this?" Honest answers, no jargon Your personalised debt-free plan Monthly or annual. The free tier is real and stays free. PRIVATE BY ARCHITECTURE No account. No bank login. No analytics. No ads. Your data never leaves your phone — there's no server database, so we couldn't see it if we wanted to. The AI coach only receives an anonymised summary: no names, no banks, no account numbers. Keel is an informational and educational tool — not a bank, lender, or financial adviser. Built for Malaysia, in Ringgit, for how debt actually works here. Privacy Policy: https://get-keel.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
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What's New in Keel

v1.0.8

August 30, 2026

Currency support beyond Southeast Asia Around 36 currencies, grouped by region so yours is easy to find. Amounts now format correctly for each one — including currencies that put the symbol after the number, and the ones that use three decimal places. The six Southeast Asian markets keep their curated bank and provider lists; elsewhere you enter your own, and the Coach says plainly when it doesn't know a market's local specifics rather than guessing at them. See the payoff, not just the number Your plan now draws the actual path your balance takes down to zero. On a card, the comparison shows your payment against the legal minimum as two lines — the gap between them is what you're saving. Free accounts see the shape of that saving too. Coach starts a better conversation The suggested questions are rewritten around what's genuinely hard to work out alone — where an extra payment does the most good, how much of what you pay is really interest, what's actually holding your debt-free date back — instead of questions you already know the answer to. A calmer, clearer Keel New typeface throughout. The health rings and the This Month donut now fill in as you open the screen. Settings is a flatter, quieter list, with your name, subscription and ID gathered under Profile. Headings are no longer set in all caps, and screen headings no longer compete with the numbers underneath them. Fixes - General The launch screen looked broken: the Keel mark is dark ink and it was being drawn on a black background, so it was effectively invisible. It now has its own light and dark versions, on backgrounds that match the app. Keel also stopped showing the launch screen before your data had finished loading, so you could land on an empty-looking Home for a moment. It now waits. The Coach message box distorted once you typed more than one line, and the send button drifted out of place. Rebuilt so only the text area grows. Your card's own name was being forced into capital letters on the payoff comparison and payment history screens.

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