Keel: Debt & AI Coach

About Keel: Debt & AI Coach

The Coach has been rebuilt to work from your real numbers — and to say so when it can't. • Coach now runs Keel's own deterministic engines on your device to check whether an amount is affordable, what's due before your next payday, and how extra payments compare. Those results are computed, not guessed. • Every figure it quotes comes back either from your own data or from a verified calculation. Projections are labelled as projections and hedged — "about RM70", never a false precision. • An unknown is now an unknown. A card with no interest rate stays unpriced across Keel instead of being quietly treated as 0%, and nothing built on an assumed rate is presented as fact. • If a fact is missing, Coach asks for it rather than assuming — and remembers your answer for the rest of the conversation. • Coach can explain a comparison, keep context of what you already asked, and offer up to two relevant follow-up questions after each answer. • Extra payments are distinguished as one-off or monthly, and affordability is described as the money left after known required payments — not "safe to spend". Underneath that, Keel's money model was rebuilt: • Income is now one unified system of sources, with the plan anchored to a Main income. • Money entry respects your currency's precision, and loan balances no longer show long calculation decimals. • Feedback is easier to act on when something is wrong. And a round of polish: • This Month's category ring is interactive — tap a segment for its category, amount and share. • Important figures update with a calm, exact-value transition, never made-up counting numbers. • Payment confirmation is protected from double taps, and deleting a spending category asks first. • Coach conversations can be cancelled safely, with clearer loading, disabled and Reduce Motion behaviour throughout.

App privacy

The developer, NG QI HENG, reported these privacy practices to Apple.