Most trackers stop at "Netflix, 13.99, monthly". Keel tracks the way you actually pay: subscriptions, bills, pay-in-X purchases and yearly ambushes, each from its own bank account.
The sofa bought in 3 keeps its remaining balance and its next due date. The insurance that hits once a year is smoothed into your real monthly number. Every payment knows which account it leaves, so you see what goes out from where, before it does.
EVERY PAYMENT, ONE CALM PLACE
• Subscriptions, bills, memberships and split purchases, side by side
• What hits and when, day by day, plus a calendar with brand logos on their due days
• Multi-currency, converted honestly at daily rates
IT SETS ITSELF UP
• Keel reads it: hand it screenshots, PDF statements or a rough typed list, and it comes back as entries to review. Read by Apple's private cloud model, opt-in, on iOS 27 with an Apple Intelligence iPhone
• Or paste the same into the AI you already use, with Keel's instructions, and paste the answer back
• Everything is previewed before it is sent: card numbers, IBANs and references are removed on the phone, and you cut anything else
• You review every line before anything is saved
• Prefer manual? Common services come pre-filled in a tap, and AI switches off entirely
PAY IN 3? TRACKED LIKE EVERYTHING ELSE
• Progress paid, amount left, every installment on the calendar
• Tick payments off right in the list
STAY AHEAD
• Reminders your way: up to three per commitment, any lead, repeating nudges until the due day
• Trials warn before they convert, price increases before they bite
• Widgets keep the next payments on your home screen
INSIGHTS THAT RECONCILE
• What you really paid next to what the year still plans to charge
• Yearly costs smoothed into your monthly baseline
• Spending by category and by account, and price creep since the day you signed up
YOURS. ON YOUR PHONE.
• No account, no server, no tracking, no data collection
• Nothing leaves your phone unless you choose the cloud reader, and Keel never sees it either way
• Face ID lock, local backups, file export any time
• Built by a cybersecurity engineer who'd rather there be nothing to breach
ONE PRICE, NOT A SUBSCRIPTION
Everything is free for 45 days. No card, nothing renews, nothing to cancel. Then one single purchase unlocks Keel for good, shareable with up to six people through Apple Family Sharing. If you never buy, your data, your charts, marking paid and exports keep working forever.
And your whole year sails into a harbor, one ship per billing day, the big bills arriving as container ships. You'll find it.
Questions, ideas, corrections: contactkeel@protonmail.com
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