How can we help?
Guides to every part of keel — from your first import to closing out a month. Written plainly, kept current.
Getting started
Set up your household and get your first statement imported.
- Getting started with keelSet up your household, pick your focus month and import your first statement in a couple of minutes
- Importing your bank statementsUpload CSV or PDF statements from UK banks and let keel categorise everything automatically
- After your first importWhat to expect once your first statement is in — the review screen, the checklist and your score
- Uploading your credit reportUpload a free credit report PDF to discover your accounts and unlock your debt management score
- Supported banks and file formatsThe UK bank CSV formats keel recognises automatically, PDF statements, and mapping unrecognised files
- Sending feedbackReport a bug, share an idea, or ask a question from anywhere in keel during the beta
Accounts & importing
Account pages, business accounts and how imports are kept clean.
- Your account pagesWhat each account type shows and why the pages differ
- Business accounts for sole tradersHow keel separates business spending from your household finances
- How keel handles duplicate transactionsWhy re-importing the same statement is safe and what gets skipped
- Managing multiple businessesName your businesses, map accounts, tag transactions, and see each business's household impact
- Business reimbursementsWhen your business pays you back for expenses you covered personally, it's not income
Transactions & categories
Reviewing, editing and how keel categorises your spending.
- Reviewing your transactionsThe review queue, browsing, filters, saved views and what each status means
- Editing a transactionThe transaction detail page — changing categories, income types, transfers and refunds
- Transaction types explainedExpenses, income, transfers, refunds, debt repayments and the types in between
- How categories workSystem categories, lifestyle toggles, custom categories and the category detail screen
- How AI categorisation worksHow keel assigns categories automatically, confidence levels and when it asks for help
- How keel learns your merchantsMerchant memory, one-off vs permanent corrections, renaming, merging and hygiene reminders
- Refunds and returnsMatching refunds to purchases, split refunds, returned direct debits and cashback
- Transfers between accountsCredit card payments, savings transfers, pending transfers and pot transfers
- Merchant pagesYour rhythm with a merchant, its spending trend, and how keel categorises it
- Category pagesThe drill-down for any category — what's driving it, how it's trending, and budget pacing
- Filters and saved viewsFilter your transaction history, share filtered links, and save filter combinations as named views
- Pots, Spaces and PocketsHow keel handles challenger-bank sub-account transfers so they never clutter your reports
- Transfers to accounts outside keelMark money sent to a not-yet-imported account as a pending transfer, matched automatically later
- Income typesRegular, pre-tax and one-off income — why there are three, and how they shape your spendable figure
Your health score
How the 0–1,000 score works and what moves it.
- How your health score worksThe 0 to 1,000 score, its four pillars, and the confidence behind the number
- Your score breakdownThe score breakdown page — the four pillars, your biggest move and weekly history
- Data completenessHow keel measures how much of your financial picture it can see, and how to improve it
- How keel decides a month can be trustedThe confidence states behind every month, and why coaching sometimes goes quiet on partial data
Coaching & monthly reviews
The dashboard, your coach, and the month-end rhythm.
- Your dashboardThe score strip, month card, coaching cards and spending breakdown — what lives where and why
- How coaching worksHow keel decides what to tell you, when, and in what tone — and how to shape it
- Your inboxOne organised home for everything keel wants you to know — what needs action, what changed, what's done
- When is a month complete?How keel decides a month's data is ready to trust, and how confirming locks in your score
- Closing your monthHow closing finalises a month's totals, locks the score, and earns a verdict on how the month went
- Your month-end reviewTwo optional questions when you close a month — what stood out, and what you're changing next
- Chatting with your coachAsk keel questions about your money, in context, with answers grounded in your own data
- Choosing your coaching styleSupportive, analytical or direct — how your style shapes what keel surfaces, not just the wording
Budgets, goals & debt
Planning tools: budgets, goals, debt, subscriptions and reports.
- BudgetsBudget groups, category budgets and how coverage affects your score
- "Reports: Summary, Full P&L and Trends"The three-tab reports screen — daily glance, monthly review and longer-term patterns
- How keel analyses your spendingFixed vs variable costs, the Needs/Wants/Savings framework and daily pacing
- Financial goalsDeclare a target — clear a debt, hit a savings figure or build a buffer — and keel coaches around it
- Your emergency fundHow keel measures your safety buffer, when it asks vs derives, and how it affects your score
- Managing debtThe debt dashboard, repayment simulator and four payoff strategies
- Recurring charges and subscriptionsHow keel detects subscriptions, flags duplicates and helps you decide what's worth keeping
- Tracking projectsTrack spending across categories for holidays, renovations, weddings and other one-off goals
Household & settings
Members, profiles and how shared finances are modelled.
- How households workShared finances, household members and optional person attribution
- Your profile and settingsHousehold details and personal profile fields that shape your coaching
- Who spent what — person attributionOptionally tag transactions to a household member — it never affects your score or reports
- Deleting your account or householdHow to permanently delete your data, the 14-day grace period, and what gets removed
Honesty pages
What keel doesn't do yet, and what happens when things go wrong.