Plan your financial future

Planning tools

• Debt payoff planner

  See exactly when each debt will be paid off and how much interest you will save.

• Cash flow forecasting

  Project your balance forward using recurring income and expenses, so nothing catches you out.

• Financial goals

  Set savings goals for holidays, emergency funds or big purchases and track progress against them.

• Debt snowball and avalanche

  Pick the payoff strategy that suits you, whether you want quick wins or the lowest total interest.

• Net worth tracking

  Track assets and liabilities together to watch your net worth grow over time.

• Milestone celebrations

  Clearing a debt or hitting a savings target gets marked, because progress you can see is progress you keep making.

Snowball or avalanche?

The avalanche method targets your highest interest rate first and costs you the least in total interest. The snowball method targets your smallest balance first and gets you a cleared debt sooner, which most people find easier to stick with. Keel models both against your actual balances and rates so you can see the real difference in months and dollars before you commit to either.

Forecasting you can act on

Cash flow forecasting reads your recurring income and expenses and projects your balance forward, so a rent payment landing before payday shows up as a dip you can plan around rather than an overdraft you find out about afterwards. Savings goals draw from the same projection, which means the target date Keel shows you reflects money you will actually have spare.