Your dashboard

The dashboard is keel's home screen. It exists to answer one question at a glance: am I going to be okay this month?

Everything on it is arranged for a quick daily check-in — the headline numbers first, then what they mean, then what to do about them. Deeper detail always lives one tap away.

How it works

Score strip

At the top, a teal hero shows your financial health score out of 1,000, with a pill showing how it moved this week and three smaller pills for key score areas. Below the number, a single line names the most impactful next step. Tapping through takes you to the full score breakdown.

Month card

The month card is the primary daily-use element. It has two modes depending on whether you've set budgets:

• Without budgets — surplus mode. Income minus spending equals your surplus (or deficit) so far this month.
• With budgets — left-to-spend mode. Income minus fixed costs minus variable spending equals what's left. You'll see a progress bar for variable spending, daily pacing ("About £32/day") while you're in the black, and a nudge if your fixed costs have run over their budget.

Both modes show your income, fixed and variable breakdown, plus the days remaining in the month.

Month-end summary card

In the last 7 days of the month (and only when you have income recorded), a summary card appears. It's a coaching moment, not a data dump, with three layers:

1. A verdict — one sentence on how the month went: "Strong month", "Good month", "Tight but positive", "Tight month", or "Over budget".
2. Evidence — your income, fixed costs and variable spending as context.
3. One action — something specific to do differently next month. In surplus, it suggests saving. In deficit, it tells you exactly how much to cut from variable spending.

The card is teal when you're in surplus and warm amber when you're in deficit. It disappears once the new month starts.

Score impact card

This card breaks your health score into its components and explains each one in plain financial terms. By default it shows up to 4 components — the ones with the most room to improve — with a toggle to see all 7.

Each row shows a coloured dot (warm means needs work, grey is middling, teal is strong), the component's score out of its maximum, and a one-line explanation tied to your actual finances, like "31% saved this month" or "1.2 months of essential costs covered".

Below the components, "Next month's play" gives you one specific thing to focus on, with an estimate of how many points it would add. Tapping any row opens the full score breakdown.

Spendable income card

If you've classified at least one income transaction with an income type, this card answers "what can your household spend this month?" It shows a hero spendable amount, with a three-column breakdown: regular income, variable income (after estimated tax), and commitments.

Regular income is averaged over up to 3 months; variable pre-tax income uses the current month with an estimated tax deduction (30% by default, changeable in your profile settings). If your budget exceeds your income, the spendable figure shows in red.

Coaching cards

Three coaching surfaces sit on the dashboard, driven by keel's coaching system (see how coaching works):

• Next Move — the single most impactful thing you should do next, with a nudge line, an action statement, an annual impact estimate where relevant, and a button to go do it.
• Coach cards — three compact cards below the Next Move. Tap any of them to expand the full action and the reasoning behind it.
• Score context — a single line below the score strip explaining this week's score change.

Spending vs budget

Your top budget groups, sorted by how close each is to its limit — not by how much you've spent. A group at 90% of its budget appears above one at 40%, even if the 40% group has more spent in absolute terms. This highlights risk, not just size.

Progress bars are green under 80%, amber at 80–99%, and red at 100% or more. If any group is over budget, a warning banner appears at the top. Groups without budgets don't appear — there's no percentage to show. If fewer than 3 groups have budgets, keel suggests your biggest unbudgeted group instead. A "View all budgets" link takes you to the full budgets page.

Other cards you may see

• A stale-data notice when your most recent data is 45+ days old
• A processing status card while AI categorisation is running after an import
• A review notice when transactions need your attention
• A prompt to declare your emergency fund if you haven't yet
• A one-time prompt to add your business account, if you've classified 3 or more income transactions from a company but haven't imported a business account — keel can catch personal spending on your business card

Why it works this way

The dashboard runs from "how much?" to "what does it mean?" to "what should I do?" — the month card gives you the number, the score impact card interprets it, and the coaching cards turn it into action. Detailed reporting deliberately lives elsewhere: the score strip stays compact because the full breakdown has its own screen, and the score impact card sits here rather than in reports because it answers a check-in question, not a reporting question.

Good to know

• Accounts that only track a balance (like a mortgage or loan from your credit report) don't count against your data completeness — you're not penalised for accounts that have no statements to import. Savings accounts with no transactions yet are also excluded until their first import.
• If you have no income recorded this month, the month card says so and offers a link to import statements.
• The spendable income card simply doesn't appear until you've classified at least one income transaction. In your first month it uses that month's data only, with no averaging.

Before your score unlocks

Your financial health score stays locked until you close your first month. Until then, the dashboard shows an onboarding home instead of the full score-and-coaching view: a locked score with a short explanation of what unlocks as your data comes in, plus the next step in getting set up — import your statements, confirm your accounts, and close your first month. It's a guided path to your first real score, not an empty placeholder.

Once you've closed your first month and your score unlocks, you always get the standard dashboard from then on — score, coaching, and your month at a glance. A one-person household gets the full dashboard just like everyone else; nothing about being solo holds it back.