Personal and business finances. One app. With a plan.
KeelCash runs your household budget and your business cashflow in the same place — and tells your money where to go, so your finances stop running you.
Most people don't control their money. Their money controls them.
Every budgeting tool makes you pick a side. So the people who need clarity most — anyone running a household and earning through a business — end up with two systems and a spreadsheet in between, hoping they agree.
Personal apps like YNAB and Monarch never understood your business. QuickBooks never cared about your family. The one tool that does both, eMoney, is locked behind Fidelity's financial planners— you can't just sign up.
KeelCash puts both worlds in one app and adds the part everyone's missing: a plan that runs on its own, moving money toward stability before you have a chance to spend it.
Built for people whose money doesn't fit in one box.
The business is the household
Contractors, tradespeople, agency owners, freelancers — when the company's cash and the family's cash are the same fight, you need to see them together.
Families building stability
Anyone who wants an emergency fund that actually fills, debt that actually shrinks, and a monthly plan that doesn't depend on willpower to survive.
SMBs who want to keep profit
Run Profit First across real accounts — set aside profit, owner's pay, and tax first — so the business funds your life instead of eating it.
Two proven money systems. Fused into one engine.
KeelCash didn't invent a new theory of money. It took two methods that have already changed hundreds of thousands of lives — and made them work together, automatically, for the first time.
Money Habits & the envelope method
Give every dollar a job before you spend it.
Behavioral budgeting works because it removes the decision in the moment. Income flows into named envelopes — Needs, Savings, Debt, Discretionary — so the plan is made once, up front, and spending becomes a matter of looking, not agonizing.
Profit First
Take profit first — spend what's left.
Mike Michalowicz's system flips the formula. Instead of Sales minus Expenses equals Profit, you allocate every deposit into Profit, Owner's Pay, Tax, and Operating accounts first. What's left is what you're allowed to spend. Businesses stop running on fumes.
The Dynamic Allocation Waterfall — envelopes and Profit First on autopilot, shifting as you hit milestones.
Your money moves toward stability in stages — you don't have to remember to do it.
As each goal is met, the allocation percentages shift automatically to the next priority. The waterfall does the discipline for you.
Cover the essentials
Needs are funded first — housing, food, utilities — so the floor is never at risk.
Build the buffer
Weight shifts to the emergency fund until you have a real cushion between you and a bad month.
Attack the debt
Once you're covered, the flow redirects to knocking down debt — the fastest path to breathing room.
Grow & invest
Debt-free and buffered, the waterfall turns surplus toward saving and investing for the future.
Clarity you can act on — not just charts you scroll past.
One view, both lives
Flip between Personal, Business, and All. See your household envelopes and your Profit First accounts side by side, in the same app.
A daily cashflow calendar
Every settlement, projected balance, and lowest point mapped by day — so you know what's coming before it lands, not after.
Outstanding payments, tracked
Checks written but not yet cleared — to subs, vendors, payroll — held separately, so your "available" number is the truth.
Real bank connections
Linked to your accounts through Plaid. But you decide what counts as income — KeelCash advises, it never moves your money.
Numbers you can trust
A data-integrity gate proves every balance before anything ships. Because if the financial data isn't accurate, nothing else matters.
Planning, not just tracking
Most apps tell you what already happened. KeelCash tells you what to do next — and moves you toward it, milestone by milestone.
Help more people control their finances — instead of their finances controlling them — and give everyone a real path to financial stability.
Financial planning shouldn't require a planner. KeelCash puts the plan in your pocket.
See your whole financial picture — steady it in minutes.
Personal and business, one app, with a plan that runs on its own.