Keel: Debt & AI Coach

Your BNPL ends. Your credit card doesn't. Keel knows the difference — and now speaks six currencies across Southeast Asia.

Keel is the first Malaysian money app built around that difference — so you always know which debt actually matters. Your Atome plan ends. Your credit card doesn't. Keel sorts everything you owe into three kinds:

FINITE — BNPL & installments (Atome, SPayLater, EzyPay). These end. Keel shows you when. FOREVER — subscriptions. Keel shows what they really cost you. REVOLVING — credit cards. The one quietly bleeding interest. Keel flags it first.

WHAT YOU GET FREE

Financial health, honestly scored — Cash Flow, Debt Health, Resilience Your real leftover each month, and exactly how it's calculated A timeline of when each debt ends and your monthly load drops One-tap balance updates and gentle payment reminders

KEEL PREMIUM

An AI coach that gives it straight — "Which debt do I attack first?" "Can I afford this?" Honest answers, no jargon Your personalised debt-free plan Monthly or annual. The free tier is real and stays free.

PRIVATE BY ARCHITECTURE

No account. No bank login. No analytics. No ads. Your data never leaves your phone — there's no server database, so we couldn't see it if we wanted to. The AI coach only receives an anonymised summary: no names, no banks, no account numbers. Keel is an informational and educational tool — not a bank, lender, or financial adviser. Built for Malaysia, in Ringgit, for how debt actually works here.

Privacy Policy: https://get-keel.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/