Help Center
Guides, answers, and how-tos for managing budgets, statement parsing, and assets with Keepsail.
Getting Started
First steps with Keepsail, overview and core principles.
Overview
See your month's finances at a glance: net worth, monthly spending, and upcoming payments. Tap any card to dive deeper.
Net Worth
Net worth is the sum of all your assets minus all debts. Cash and investments add to it; loans and card debts subtract from it.
Weekly Review
A 5-minute weekly check-in: unreviewed transactions, weekly pace vs last week, next 7 days of bills, and subscription candidates.
Savings Goal
A target savings amount for future milestones (vacations, down payments). Funds in savings buckets are distributed to nearest deadlines first.
Transactions
Income, expense, transfer, and balance adjustment entries.
Transactions
All your financial movements are listed here: income, expenses, internal transfers, and balance adjustments.
Statement Import
Upload PDF statements or receipt images to import transactions in bulk. Documents are parsed with AI and deleted immediately.
Transfer
Movement of money between your own accounts, such as an ATM cash withdrawal. Excluded from income, expenses, and bucket spending.
Balance Adjustment
Reconciles differences between recorded account balance and real-world statement balance. Excluded from income, expense, and bucket totals.
Statement Parsing
Uploaded credit card statements are parsed with AI into discrete transactions. Files are deleted immediately after reading.
Budget & Buckets
Percentage distribution across buckets, budget limits, and cashflow.
Budget
Divide expected monthly income across buckets by percentage ratios; each bucket's spending limit is computed from these targets.
Budget Bucket
A bucket is a spending envelope dedicated to a category: groceries, transit, dining, etc. Income is divided across buckets by target ratios.
Income Sources
Define recurring income streams such as salary, rental income, or client retainers to power budget and cashflow projections.
Cashflow
Forecasts daily liquidity in checking and cash accounts. Investment accounts and credit card limits are excluded.
Accounts & Cards
Bank accounts, credit cards, investments, and physical assets.
Accounts & Cards
Bank accounts, cash, investments, credit cards, loans, real estate, vehicles, and savings goals gathered in unified tabs.
Loans & Debts
Consolidate credit card installment schedules and bank loans to monitor total debt, paid amounts, and remaining principal.
Investment Holdings
Individual positions inside an investment account (metals, crypto, equities, funds). Tracks quantities, cost basis, and profit/loss.
Crypto Account
Tracks digital assets held on exchanges or private wallets with automated daily price synchronization.
Physical Asset
Manually valued property such as homes and vehicles. AI valuation estimates are available as reference guides.
Card Installment
An installment plan spreading a major purchase across monthly credit card billing cycles. Shows total payments and remaining installments.
Market Strip
Live price strip showing gold, silver, Bitcoin, Ethereum, and major currency exchange rates with daily percentage changes.
Market Valuation
Gold, commodities, and crypto prices update automatically, syncing account values to live market rates once per calendar month.
Subscriptions & Fixed Expenses
Recurring bills, subscriptions, calendar, and reminders.
Subscriptions
Track recurring digital services (streaming, software, memberships) with monthly and yearly totals, auto-detection, and price increases.
Fixed Payments
Predictable monthly bills occurring on a set date: rent, HOA fees, tuition, or utilities.
Periodic Expenses
Infrequent but predictable expenses like annual insurance, taxes, or tuition, broken down into monthly savings shares.
Calendar
Bill payments, expected income, savings goals, and custom reminders mapped onto a single unified calendar.
Reminder
A scheduled alert for one-off financial tasks or bill due dates, appearing in your calendar and notification tray.
Calendar Feed
A private ICS feed URL to display upcoming bill payments and reminders in your phone's native calendar.
Reports
Periodic reports, category trends, and bucket analytics.
Shared Budget
Joint accounts, shared expenses, and household budgeting.
Subscription & Billing
Keepsail membership tiers, billing, and payment methods.
Keepsail Plans (Free, Plus, Pro)
Core features are free forever. Statement OCR and advanced analytics are unlocked with Plus and Pro plans.
Billing and Payments
All transactions are secured via Stripe with 256-bit encryption. Card details are never stored on Keepsail servers.
Plan Changes & Cancellations
Cancel anytime with no lock-ins. All premium features remain active until the end of your prepaid billing period.
Security & Privacy
Account isolation, encryption, 2FA, and zero-retention principles.
Data Privacy & Tenant Isolation
All financial data is safeguarded by PostgreSQL Row Level Security (RLS). Nobody except you can view your unshared records.
Two-Factor Authentication (2FA)
Strengthen account access by requiring a time-based 6-digit one-time code from your authenticator app on login.
Zero-Retention & Statement Security
Uploaded statement files are parsed by AI in ephemeral memory and destroyed immediately upon parsing.
Still have questions?
Reach out to our support team directly or review the common questions on our FAQ.