When is a month complete?

Month completion tells you when your financial data for a specific month is ready to trust. keel looks across all your accounts, checks whether data has been uploaded for each one, and lets you know when a month "looks complete". You confirm it, keel locks in your score for that month, and over time you build a clear picture of your financial health.

How it works

keel detects completeness

keel checks several signals to decide whether a month's data is complete:

• Account coverage — has every account got data for this month? Current accounts count more heavily than savings accounts, because they hold the bulk of your spending.
• Transaction count — does each account have roughly its usual number of transactions? If your Barclays account usually shows about 45 transactions and this month has only 12, keel flags it as looking light.
• Categorisation — what share of the month's transactions have been categorised? Uncategorised transactions mean the numbers could still change.

When keel is confident enough, you'll see a prompt: "February looks complete."

You confirm

The prompt appears on the Reports page with a "Review & Confirm" link. Tapping it takes you to the Accounts page showing per-account status for that month, which you can work through as a checklist:

• Accounts with data show "Mark as complete". Tap to mark it done; tap again to undo.
• Accounts with no data show "Import" (takes you to the import flow) and "Skip" (for accounts with genuinely no activity that month).
• As you mark accounts done or skip them, they drop to the bottom of the list so you can focus on what's left.

When you're satisfied, tap "Confirm [month] is complete."

Your score is locked

Once confirmed, keel calculates and stores your financial health score for that month. Confirmed months count at full weight in your 3-month rolling average; unconfirmed months count at half weight — so confirming makes your overall score more accurate. See how your score works.

If new data arrives later

If you import a forgotten account or add transactions to a confirmed month, keel doesn't silently change your score. You'll see a warning — "New data has been added since you confirmed February" — and you choose when to update the score.

Where you'll see it

• Dashboard — a progress bar between your score and the month card: "April: 2 of 8 accounts imported"
• Reports (Summary tab) — a card saying the month looks complete, with a review link
• Accounts page — a month picker with per-account coverage, skip toggles, and the confirm button. After confirming, a brief celebration shows your score and how it compares to the previous month.

Why it works this way

• keel prompts, you confirm. keel is a coach, not an autopilot. It notices when your data looks ready and asks you to review, rather than deciding for you.
• Your score never changes behind your back. New data after confirmation triggers a warning, not an automatic recalculation.
• Not all accounts are equal. If your main current account is missing, keel won't call the month complete even if every other account has data.
• Historic months work the same way. Import 6 months of statements during setup and each month starts as "open" — confirm them one by one and get your score history along the way.
• Skipping is per-month. If your savings account had zero activity in February, skip it for February; March starts fresh. If an account is permanently inactive, archive it instead.

Good to know

• In your first few months, keel doesn't yet know your typical transaction counts, so it uses simpler checks (does the account have any data?). The expected-range checks kick in from month 4.
• Confirm in order for best results. If March is uploaded but February isn't confirmed, keel nudges you to complete February first for accurate trending.
• You can't skip everything. At least one account must have data to confirm a month.
• The month picker only goes back as far as your data — no scrolling into empty months.

FAQ

Do I have to confirm every month? No. Unconfirmed months still count toward your score, just at half weight. Confirming makes your score more accurate and builds a monthly review habit, but it's never required.

What if I forgot to import an account? Import it whenever you remember. The confirmed month will show a warning, and you can update the score when you're ready.

Can I undo a confirmation? Not directly, but importing new data effectively reopens the month for review — you'll see the option to update the score.

How does the celebration moment work? When you confirm a month, keel briefly shows that month's score and how it changed from the previous month (e.g. "+12 pts vs January"), then fades.