Personal finances and business books, finally in agreement.

KEEL combines accounts, transactions, budgets, receipts, and entity books in one exact ledger, so every total can show where it came from.

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Free and open source under AGPL-3.0. Bank connections are Sandbox-only during this pre-release.

How it works

Follow one paycheck through KEEL.

Step 1

A transaction arrives

Your bank sends a raw, machine-formatted memo. Most apps show it to you as-is.

ORIG CO NAME:ACMELABS CO ENTRY DESCR:PAYROLL SEC:PPD ORIG ID:1234567890

Step 2

KEEL cleans it up

The name becomes readable. The original is kept forever, one tap away.

Step 3

Both sides are recorded

Money in and money out are booked together, and they must cancel to exactly zero.

Checking+$4,250.00

Income · Salary−$4,250.00

Together$0.00 ✓

Step 4

AI suggests, you approve

KEEL proposes a category with its confidence and evidence. Nothing happens until you say yes.

Step 5

Your picture updates

Net worth, budgets and reports all move at once, and every number can show its work.

The problem

A dashboard is not a source of truth.

When balances, categories, reports, and corrections follow different rules, even a polished chart becomes hard to trust.

The KEEL way

Built like an accounting system. Feels like a consumer app.

A deterministic double-entry ledger does the arithmetic. Automation works around the fuzzy edges: categorizing, matching, detecting, and explaining. Review steps protect material changes.

MCP server · agentic finance

Connect Claude, ChatGPT, or Codex to your finances.

KEEL ships a remote MCP server, so the AI agent you already use can read your accounts, transactions, budgets, and bills. With your permission, it can also categorize, split, and record transactions. Every change goes through the same audited, undoable path as the app, and the ledger still does every calculation.

Connector URL

https://keel.mikulsaravanan.com/mcp

Claude Code

claude mcp add --transport http keel https://keel.mikulsaravanan.com/mcp

Claude: Settings → Connectors → Add custom connector. Codex: codex mcp add keel --url https://keel.mikulsaravanan.com/mcp. Then sign in with your KEEL account and choose an access level.

Try asking

“How much did I spend on dining in October, and am I over budget?”
“Categorize last week’s uncategorized transactions and list what you changed.”
“Split the $184.20 warehouse-club charge: $120 groceries, the rest office supplies.”
“Log a $12 cash parking receipt under my business.”

Read

Ask about net worth, spending, budgets, bills due, investments, and paychecks. Totals come from the ledger, so the agent quotes numbers instead of adding them up.

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Manage

Clear the review queue, categorize and split transactions, save rules, link transfers, and attach receipts that are already uploaded to KEEL.

transactions_categorizetransactions_splitrules_savereview_decidereceipts_attach

Write

Record cash or manual transactions, enter bills, set budgets, and save notes and tasks. Every write is logged as made by that app and can be reversed.

transactions_createbills_enterbudgets_setnotes_savetransactions_void

You choose the access
Sign in with OAuth, pick a household, and grant read-only or read-and-change. Revoke it in Settings at any time.
No money movement
Agents cannot move money, pay bills, connect or disconnect banks, or export your data.
Logged and undoable
Changes go through the same audited path as the app. Bank history is kept; manual entries are voided, never hard-deleted.
The ledger does the math
Balances and totals are computed by a deterministic double-entry ledger, never by a language model.

MCP questions

What is the KEEL MCP server?

KEEL includes a remote Model Context Protocol (MCP) server. It lets AI assistants such as Claude, Claude Code, ChatGPT, and Codex read your KEEL finances and, if you allow it, make changes like categorizing, splitting, and recording transactions through the same audited path as the KEEL app.

Which AI apps can connect to KEEL?

Any MCP client that supports remote servers with OAuth sign-in. That includes Claude on web, desktop, and mobile through custom connectors, Claude Code, Codex, and ChatGPT. You add one connector URL, sign in with your KEEL account, and choose a household and access level.

Can an AI agent move my money through KEEL?

No. The KEEL MCP server cannot move money, pay bills, place trades, connect or disconnect bank accounts, or export your data. Its tools only read and edit records in your KEEL ledger, and only within the household and access level you granted.

Can the agent write or change transactions?

Only if you grant read-and-change access. The agent can then create manual transactions, categorize, split, tag, link transfers, and void manual entries. Each change is logged as made by that app and can be reversed. Bank-synced history is preserved rather than deleted.

Does the AI calculate my balances?

No. KEEL computes balances, budgets, and summaries in a deterministic double-entry ledger that stores money as integer cents. The agent calls summary tools and reports those results, so the numbers match what you see in the app.

Is the KEEL MCP server free?

Yes. KEEL is free and open source under AGPL-3.0, and connecting an AI app costs nothing on the KEEL side. Your AI app’s own plan and usage limits still apply.

Open source

Inspect the rules behind your numbers.

KEEL's application code, ledger contracts, migrations, and tests are available on GitHub under AGPL-3.0. You can review the implementation, open issues, or run your own instance.

View source on GitHub

What you get

A system of record, not another dashboard.

Numbers you can trace

Every transaction lands in a balanced double-entry ledger. Corrections create a visible revision instead of silently rewriting history.

Automation around the math

KEEL can suggest categories, recurring activity, transfers, and receipt matches. The ledger, not a language model, does every calculation.

Aauto + undoBsuggest → approveCpreview onlyDdisabled

Personal and entity views

Keep personal accounts and small-business books in one household, with entity filters on the dashboard, accounts, and ledger.

Budgets, bills, and goals

Plan category budgets, review recurring income and bills, track savings or debt goals, and preview cash flow from recorded activity.

Statements and reconciliation

Import statements, compare them with recorded activity, resolve differences, and lock a reconciled period with an explicit reopen trail.

Receipts with a review step

Upload receipt images or PDFs, inspect extracted details, and approve a suggested transaction match before it is attached.

Paychecks and reimbursements

Break down deposits, track money others owe you, and keep settlements from inflating income.

Portable records

Download structured records, audit history, and document metadata as CSV or JSON, with compatible financial records in QIF and Beancount.

Build a record you can verify.

Start with manual accounts or explore the Sandbox connection flow. Review suggestions, trace totals, and export your financial records.