Know exactly what's yours — before you spend it.

Your bank balance is lying to you: it shows money you've already spent, and a third of it belongs to the IRS. Freeboard is your cash, minus a tax reserve at your rate, minus the bills you've committed to, minus a buffer you set. It updates the moment you invoice or log an expense — entirely on your iPhone.

No dashboards to configure, no chart of accounts, no accountant login — and nothing readable ever leaves the phone.

v3 turns Keel from a ledger into a filing companion — reports, an accountant hand-off, and invoices that carry your brand. Every figure is derived on device from the same hash-chained ledger, so what your accountant sees is what your app shows.

Keel does no networking for its intelligence. Every invoice, expense and mile is stored locally in an append-only, hash-chained ledger you own — integer-exact money that stays consistent at tax time. There's no account to create and nothing readable to leak. The only things that touch the network are ones you choose: sending a finished invoice, or a purchase.

// integer-exact money · BLAKE3 hash-chained · on device
event ReceiptStamped {
  merchant: "Blue Bottle Coffee",
  total_cents: 1875,        // $18.75 — you approved this
  tax_cents:   156,
  prev_hash:   "b3:9a7f…4736"  // chained, tamper-evident
}
// nothing readable leaves the phone

Everything runs on device on every tier — no account, nothing readable leaves your iPhone. Prices in USD, shown in your local currency at checkout.