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Guides, definitions, and the math behind every number the app shows.
Keel Help Center
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Getting started
What Keel is, how it's organized, and the rules it plays by.
3 articles
Money & cash flow
How the Spending Plan, the Cash Flow forecast, and the Net Worth change all work.
4 articles
How projections work
The shared weekly clock, market scenarios, and tracking adherence.
4 articles
Plans & strategy
The five plans, how surplus is routed, and the prescription contract.
10 articles
Leverage & risk
Borrowing limits, margin-call mechanics, and the draw → paydown lifecycle.
3 articles
Popular articles
The Spending Plan — five bucketsMoney & cash flowFive explicit sections — Income, Bills, Planned Spend, Other Spend, Savings Goals — each with its own planned total and tracked actual. The hero is “Free to spend” — a master cap your discretionary spending draws down.How surplus gets routedPlans & strategyThe math-optimal split across three buckets in priority order: reserve, high-APR debt, then investing.Margin-call mechanics — modelling the downsideLeverage & riskWhen LTV reaches the maintenance equity floor, the broker forces a sale. Keel liquidates just enough and counts it.The five plansPlans & strategyA plan bundles an investment rule with a debt-ordering rule (Avalanche or Snowball). The Lab filters; it never ranks.Smith Manoeuvre — converting mortgage interestPlans & strategyRe-borrowing freed mortgage principal from a readvanceable HELOC and investing it makes the interest tax-deductible.
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