Your profile and settings

keel has two places where you describe your household and yourself: household details and your individual profile. This information helps keel tailor its coaching to your situation.

Nothing you enter here affects your health score. Two households with identical spending but different profiles get the same score — they just get different coaching.

How it works

Household details

Found at Settings → Household, below the member list. These are shared facts about where and how you live:

• Housing status — owned outright, owned with mortgage, renting, or living with parents. Helps keel interpret your fixed costs.
• Children — a toggle. When on, you can select age bands (under 5, 5–11, 12–18, 18+). Turning it on automatically enables the Childcare & Children's Education category.
• Pets — a toggle. Turning it on automatically enables the Pets category.
• Region — England, Scotland, Wales, or Northern Ireland. Used for peer benchmarking.

Your individual profile

Found at Settings → Profile. Each household member has their own.

About you:

• Name — editable, pre-filled from your account.
• Email — tap to open account settings, where you can add a new email, verify it, set it as primary, and remove the old one. keel updates its records automatically once the change is verified. If you're viewing a partner's profile, their email is read-only — you can only change your own.
• Password & security — tap to change your password, set up two-factor authentication, or manage connected accounts. It opens the same account settings as the email row. This appears on your own profile only — you can't change another person's security settings.
• Age range — 18–25 through to 65+.
• Employment type — employed, self-employed, mixed, retired, or student.

Your finances:

• Estimated tax rate — only shown when your employment is self-employed or mixed. A slider from 0–60%, defaulting to 30%. Used to estimate spendable income from self-employed earnings. It's an estimate, not tax advice.
• Primary financial priority — what matters most right now: clear debt, build savings, grow wealth, reduce financial stress, or plan for retirement. Each option explains how it shifts keel's coaching focus.

How keel talks to you:

• Coaching style — supportive, analytical, or direct. Defaults to supportive, and it shapes what keel surfaces as well as the wording — see Choosing your coaching style.

Why it works this way

• Household vs individual. Housing, children, pets and region are facts about the household, so they're shared. Age, employment, tax rate, priority and coaching style are personal, so each member sets their own.
• Every field is optional. Nothing in keel is gated behind completing your profile. keel skips it during onboarding because getting to your first import matters more — you can fill it in any time.
• Children and pets sync with categories. Toggling children on enables the Childcare category; toggling pets enables Pets. It works in both directions — changing the category toggle updates the household profile too.

Good to know

• Different priorities in one household. When members have different financial priorities, household-level coaching acknowledges both. Your individual coaching uses your own priority.
• Tax rate default. The 30% default is pre-filled but isn't saved until you interact with the slider.
• Completion nudge. A subtle prompt appears when fewer than three profile fields are set, and disappears once you've filled three or more. No progress bar, no percentage.

FAQ

Does my profile affect my score? No. Profile information shapes coaching tone and context only. Your score is based entirely on your financial behaviour.

Can my partner see my profile? The household owner can view and edit both members' profiles using the member switcher at the top of the profile screen.

What happens if I don't fill in my profile? Nothing breaks. Coaching will be less personalised, but every feature works without it.

How do I change my email address? Tap the email row in your profile. A panel opens where you add the new email, verify it with a code, set it as primary, and remove the old one. Once verified, keel updates everywhere your email appears without you doing anything else. You keep your existing keel account — only the address you sign in with changes.

Will my partner be notified if I change my email? No. Email is an individual setting and changing yours doesn't notify other household members.

How do I change my password or set up two-factor authentication? Tap the Password & security row in your profile, under "About you". The account settings panel opens, where you can change your password, turn on two-factor authentication, and manage connected accounts. You can only do this for your own account, so the row doesn't show when you're viewing a partner's profile.

How do I sign out? Use the Sign out button in the main navigation — at the bottom of the sidebar on desktop, below Settings, or in the "More" menu on mobile. It takes you back to the sign-in screen.