Your account pages

Every account in keel has its own detail page, and each one is built around the question that matters most for that type of account. A current account page asks "is my balance stable?", a savings page asks "am I building a buffer?", a credit card page asks "is my balance under control?", and a business account page asks "how much does this business contribute to my household?"

To open an account page, tap any account row on the Accounts screen. Debts open here too — tapping a credit card, loan, mortgage, or overdraft anywhere in keel (including the debt dashboard) lands on that account's full page. There's no separate pop-up panel; the detail and all the editing live on the page.

How it works

Current accounts

The page focuses on balance stability:

• A balance trend analysis — stable, growing, or declining
• A cash flow summary for the current month (money in vs money out)
• The account's role in your household (main spending account, secondary, and so on)
• A list of recent transactions

Savings accounts

The page focuses on whether you're building a buffer:

• A trajectory chart showing your balance over time — deposits step the line up, withdrawals step it down. This needs at least 3 months of data to appear.
• Months of runway: your current balance divided by your monthly essential costs, shown as something like "1.8 months of essentials". This needs at least one current account imported so keel knows what your essentials look like.
• Your deposit habit: how often you add to savings and the range of amounts, for example "You've added to savings 4 times since December. Deposits range from £70 to £1,000."
• Interest detection: savings interest is identified and summarised. If your savings statement header includes an AER (for example "1.15% AER"), keel captures it during a PDF import and shows it alongside the total.

Credit cards

The page focuses on whether the balance is under control:

• A balance trend that flags when your balance is rising even though you're making regular payments — a sign of overspending on the card
• A utilisation bar showing your balance as a percentage of your credit limit: green under 30%, amber from 30% to 75%, red over 75%. This only appears when keel knows your credit limit (from a credit report or PDF statement).
• Interest cost: the total interest keel has actually seen, described over the months it has on record — with a separate line giving the annual estimate at that rate ("at this rate, clearing this card would save about £1,630/year"). keel won't call a few months of charges a full year.
• Payment behaviour: a grid of month dots showing which months had a payment. It reads "in N of the months on record" until you've been with keel a full year, then "the last 12 months" — so months from before you joined are never counted as missed payments.
• A "Debt details" section — balance owed, APR, payment, and an interest-vs-capital split preview — with a link to your repayment plan. The split appears even before you've entered a monthly payment, using a sensible estimated minimum.

Business accounts

The page focuses on what the business contributes to your household:

• A headline figure: the total value of personal spending funded by this business account
• A 6-month trend of that contribution
• A summary of excluded business expenses — business-only spending that doesn't appear in your household reports

For more on how business accounts work in keel, see Business accounts for sole traders.

Editing an account

The detail page is where you edit the account too. An "Account settings" panel — tucked away by default — holds everything: rename, account type, statement day, how often you get a statement, the joint flag, and, for debts, APR, balance, monthly payment, and loan term. The panel opens itself automatically when a debt is missing its APR, because the APR is what unlocks your repayment projection. Money fields show a £ inside the box and add commas as you type.

Debts and overdrafts

Credit cards, mortgages, and loans all show one "Debt details" section with the balance owed, APR, payment, and repayment split. If a current or savings account slips into overdraft, the page says so plainly and treats the overdraft as the real debt it is — with a link to your debt plan and a place to record its rate.

The balance trend shows your real balance

The balance trend draws your actual balance, never an invented one. When your imported statements include a running balance, keel uses it directly. When they don't, keel works out each month's real balance from your current balance and your transactions — your balance today, minus the money that has moved since. That's exact arithmetic, not a guess. The balance shown at the top is labelled so you know where it came from: "as of {date}" for a figure from your transactions, "from your credit report" for a snapshot. If keel has no balance to work from at all, it shows nothing rather than make one up.

Data freshness status

Every transaction account shows a freshness status — on the accounts list and in the page header — so you can see at a glance whether keel's picture is current:

• Up to date — the most recent expected statement has been imported
• Statement due — a new statement is expected but hasn't been imported yet
• N days overdue — it's been more than 5 days since the statement was due
• No data imported yet — a new account that's never been imported. This is a starting state, never "overdue".

"Due" is worked out from each account's own statement rhythm — monthly by default, but keel respects accounts that statement every two months, quarterly, or annually, so a quarterly account isn't flagged every month. If keel knows your statement day, the status tracks that exact day. Mortgages and loans don't show a freshness status — there's no statement to import.

Why it works this way

Each account type answers a fundamentally different question, so each gets a page built for that question. A single generic page would be shallow for all of them — a savings account doesn't need a utilisation bar, and a credit card doesn't need months of runway.

Good to know

• No data yet? When an account has zero transactions, the page shows a prompt to import data rather than empty charts.
• Savings runway missing? Months of runway needs essential cost data from a current account. If you haven't imported one, the figure is replaced with a prompt to do so.
• No utilisation bar? It's hidden until keel knows your credit limit. Balance trend and payment behaviour still show.
• PDF statements always win on rates. If you manually set an AER or APR, the next PDF import will overwrite it with the statement value — a bank statement is more authoritative than a manual entry. Your billing cycle day, on the other hand, is set once and never overwritten.
• In credit on your credit card? If you've overpaid and carry a credit balance, the page shows "in credit" rather than treating it as an error.
• Business account with no personal spending flagged? The contribution figure shows zero, with an explanation that no personal spending has been flagged from this account.

FAQ

Where do I find account pages? Tap any account row on the Accounts screen.

Why doesn't my savings page show months of runway? keel needs at least one current account imported to know your essential monthly costs. Import a current account and the runway figure will appear.

Why is there no utilisation bar on my credit card? keel needs your credit limit to calculate utilisation. Upload a credit report or a PDF statement that includes the limit, and the bar will appear.

Can I rename an account from its page? Yes. Tap the account name to rename it. It saves when you tap away; press Escape to cancel.

Where do I set a debt's APR, balance, or monthly payment? On the account's detail page, open the "Account settings" panel. For a debt that's missing its APR, that panel is already open when you arrive.

Why does my balance trend look right even though my statements didn't include a balance? keel reconstructs it. As long as it knows your current balance and your transactions, it can work out the real balance at the end of each month — your balance now, minus everything that moved since. It only leaves the trend blank when it has no balance to anchor to at all.

Where does the AER percentage come from? keel captures it from the header of PDF savings statements when you import them. If your statement shows "1.15% AER", keel picks it up automatically. Not all banks include this.

Will importing a new statement change my APR or AER? Yes. The latest statement value always wins — a bank statement is considered more reliable than a manually entered value.