Personal CFO for 1099 workers
Your whole position,
already reckoned.
You are your own finance department — no CFO, no bookkeeper, no CPA until April. Connect your bank once. Keel reckons your tax position today, with net worth, cash runway, and debt charted next.
Read-only bank connection. Never moves your money. Free to start.
The finances of working for yourself
deserve precision, not guesswork.
The arithmetic
of working alone.
Nobody withholds a cent on your behalf. Every payment that lands in your account is gross — the full figure, before the quarter's tax is set aside. The running debt to the IRS grows quietly, invisibly, until the deadline arrives with a number you didn't see coming.
The standard solution is a spreadsheet updated monthly, if you remember. Or a CPA consulted quarterly, if you can afford it. Neither gives you the number right now, on the Tuesday morning when a large payment just arrived and you need to know what to keep.
It is not only taxes. Net worth is scattered across a checking account, a savings account, and a retirement fund you haven't opened since last year. Cash runway is guessed. Debt is in your head. You are operating on dead reckoning — and unlike a navigator's, yours is not written down.
Keel connects to your bank once, read-only, and keeps the reckoning current. Every transaction categorized. Every dollar of tax accounted for. The position posted. The deadline dated. Your instruments are always current — so you stop recalculating and start knowing.
The manual approach — handwritten tables, scattered bills, quarterly guesswork.
Auto-categorization
Every deduction,
already found.
Keel classifies every transaction against IRS Schedule C lines the moment it lands — Mileage, Meals, Software, Advertising. No shoebox. No April scramble. A pre-filled Schedule C draft waiting at year end.
Adobe CC → Software
Google Ads → Advertising
AWS → SaaS / Cloud
One instrument for the whole position.
Net Worth
$182,400
+$3,100 this month
Cash Runway
6.2 mo
at current burn
Est. Tax Owed
$10,420
federal + SE + CA
Set Aside
$8,500
82% of target
Recent transactions
Illustrative — connect your bank to see your numbers.
What Keel reckons today —
and what it charts next.
Reckoning now — live today
Quarterly taxes
Federal income, self-employment, and state — recalculated on every sync. Quarterly deadlines surface before they arrive.
Auto-categorization
Every transaction classified against IRS Schedule C lines the moment it lands.
Set-aside tracker
Your running tally against what the estimate says you owe — updated in real time.
Schedule C draft
A pre-filled export at year end. Hand it to your CPA, not a box of receipts.
Charted next — on the way
Net worth
ChartedEvery account, asset, and liability on one plate — what you are actually worth, kept current as balances move.
Cash runway
ChartedHow many months your balance covers at your real burn rate. The number freelancers most need and rarely see.
Debt overview
ChartedBalances and rates across cards and loans — shown plainly, never with a recommendation attached.
Entity & retirement math
ChartedS-corp breakeven and contribution limits — as arithmetic and verified facts, not guidance.
Set up in under two minutes.
Three steps. Keel runs quietly in the background from there.
Step one
Connect your bank
Link via Plaid — the same read-only connection your CPA uses. Keel sees transactions, nothing more. It never initiates a transfer.
Read-only. Zero custody.
Step two
Confirm your filing status
State and filing status — single, joint, or head of household. Two fields. That is the entire onboarding. Edit any time and the reckoning updates immediately.
Changes take effect on next sync.
Step three
Read your position
Keel posts your estimated tax as a single running figure, categorizes every transaction, and tracks your set-aside — your fix, kept current.
Assumptions stated plainly each time.
Built for
Anyone who receives income
with no taxes withheld.
Freelancers, independent contractors, sole proprietors, single-member LLCs, side-income earners alongside a W-2. If a 1099 shows up at year end and quarterly estimates feel like guesswork — Keel is the instrument you have been missing.
Plain terms.
Not tax advice.
Keel gives you numbers and the assumptions behind them. A CPA interprets them. Keel does not.
Not investment advice.
Keel shows your position as it is — allocation and balances as facts, never guidance on what to buy or sell.
Never moves your money.
Read-only. No ACH transfers, no custody, no payment processing. Keel categorizes; it does not hold.
Free to start.
Connect your bank, confirm your filing status, and Keel begins reckoning — usually under two minutes.
Your position,
already reckoned.
Connect your bank once. Keel does the rest — updated every sync, assumptions stated plainly, never moving a cent.
No credit card. Read-only bank connection.