Documented
Adaptive onboarding
Questions adapt to whether you're working, retired or planning for a particular goal.
Product capabilities
Explore everything
aMoneyKeel brings together.
A feature-by-feature guide to how your accounts, cash flow, investments, retirement plan, goals and financial decisions fit together. We also say what's still evolving.
About availability: “Documented” means listed as built in the June 2026 development tracker, not independently re-tested on the current iPhone beta. “Evolving” means partially built or a design under development. “Planned” means it should not be assumed available yet. Some screenshots reflect newer designs and are illustrative.
Getting started and personalization
Documented
Life-stage profile
Age, retirement target, dependents, partner and financial planning assumptions.
Documented
Your first financial picture
A guided summary helps you understand the information you've entered.
Documented
Plan-completeness checklist
See missing details and improve the quality of your financial picture over time.
Evolving
Interface and currency settings
Money formatting and a currency selector; full localization is not complete.
Home and insights
Documented
Monthly budget overview
See spending against your plan and how much is left this month.
Documented
Spending pace
Project whether current spending is above or below the pace you planned.
Documented
Month switching and recap
Look back at prior months' income, spending and saving.
Documented
Quick expense and income entry
Add an expense or one-time income without leaving the main experience.
Documented
Contextual financial insights
See ranked reminders and explanations based on entered information.
Evolving
Life-stage-first home layout
A retiree-focused paycheck view and working-life growth emphasis, reflected in newer design mockups.
Planned
Net-worth trend on Home
A dedicated home tile tracking net worth through time.
Net worth, assets and debt
Documented
Accounts and balances
Track cash, investments, retirement accounts and property by account.
Documented
Assets minus liabilities
Net worth broken down by major categories.
Documented
Debt balances and rates
Track APRs, minimum payments and higher-cost debt.
Documented
Investments and account values
Use position-based holdings with market-derived values where pricing is available.
Documented
Retirement earmarking
Choose which part of each asset counts toward your retirement nest egg.
Documented
Monthly snapshots
Keep historical month-end balances for comparison.
Planned
Emergency-fund coverage
Show how many months of essential spending your cash could cover.
Evolving
Full change-in-net-worth explanation
Detailed attribution of deposits, market movement, income and debt paydown in newer design screens.
Evolving
Account import and linking
CSV transaction imports are documented; automatic Plaid bank linking remains unbuilt.
Income, spending and cash flow
Documented
Salary and take-home pay
Capture pay frequency and gross or net salary with planning estimates.
Documented
Tax-based pay estimates
Estimate take-home pay using configured tax assumptions.
Documented
401(k) and employer match
Model contributions and employer matching in your income picture.
Documented
Bonuses, rental income and other inflows
Include recurring and one-time income by month.
Documented
Stock grants and vesting
Track modeled equity and vesting schedules for cash-flow planning.
Documented
Spending plans by category
Budgets for fixed, flexible and non-monthly costs.
Documented
Budget versus actual
Compare what you planned with expenses logged to date.
Documented
Recurring transactions
Schedule repeating income and expense entries.
Documented
Cash-flow timeline
See months where bonuses or equity vesting may leave more available to save.
Documented
CSV transaction import
Bulk-import transaction history from a file.
Evolving
Receipt scanning
Capture an expense using camera/text recognition; native setup still needs validation.
Evolving
Mortgage and debt-payoff planning
Track debts; richer mortgage rate tradeoffs are illustrated in newer design material.
Investments and performance
Documented
Individual holdings
Track tickers, quantities and separate purchase lots.
Documented
Cost basis and gains
Derive investment value and returns from lot-level purchase records.
Documented
Same-period benchmark comparison
Compare holding performance with a relevant benchmark over matching dates.
Documented
Period-based returns
Select performance windows and review position-level results.
Evolving
Market-based pricing
Development integration can update holdings from end-of-day prices; commercial licensing remains a launch prerequisite.
Evolving
Detailed account and bond pages
Per-account, bond/CD and holdings deep-dives appear in the newer supplied mockups.
Evolving
Time-weighted returns and income attribution
Professional-style explanations of deposits, dividends, interest and market movement appear in newer design specifications.
Planned
Performance attribution and advanced charts
More detailed allocation, attribution and multi-period trend analysis.
Retirement and spending decisions
Documented
Retirement plan and scenario sandbox
Keep your baseline plan separate from changes you're experimenting with.
Documented
Projected nest egg
Explore year-by-year growth with the amount saved separated from potential investment growth.
Documented
Retirement-age scenarios
Compare different retirement dates and savings rates.
Documented
Social Security timing assumptions
Model claiming age within retirement what-if scenarios.
Evolving
62 vs. 67 vs. 70 claim-age comparison
Explore income and savings-drawdown tradeoffs across different claiming ages; richer presentation is evolving.
Documented
Monte Carlo simulation
Run multiple market scenarios and review an estimated range of outcomes.
Documented
Return-assumption choices
Use benchmark, personal performance or scenario assumptions with appropriate context.
Evolving
Monthly retirement paycheck
Show the relationship between benefits, pension income and withdrawals in newer retiree-focused screens.
Evolving
Could I spend more?
Explore whether a higher spending plan changes the range of simulated outcomes—not a promise of safety.
Planned
Retirement withdrawals and taxes
Advanced ordering, required withdrawals, Roth scenarios and healthcare expenses.
Evolving
Market-history lookback
Explore historical what-if decisions as shown in newer design mockups.
Goals, savings and financial planning
Evolving
Savings-goal targets
Plan toward milestones such as a home, travel or education; goal screens are still being finished.
Documented
Priority-based allocation engine
Allocate available savings toward goals by priority.
Documented
Available-to-save by month
Review average savings capacity and months with different income levels.
Documented
Non-monthly savings set-asides
Suggest a monthly amount to reserve for larger irregular expenses.
Documented
Annual saving and target retirement age
Test how contribution rates and dates affect modeled retirement outcomes.
Planned
Goal-date calculations
Pick a target month and estimate the contribution needed to reach it.
Planned
Debt-repayment optimization
More extensive avalanche/snowball comparisons and recommendations.
Trust, data and privacy
Documented
Password-based sign-in
Account authentication, verification and password-reset flows.
Documented
On-device financial-data encryption
Encrypted stored data with secure-key handling.
Documented
Encrypted cloud sync
Financial data encrypted on-device before being stored in the cloud, per development tracker.
Documented
Recovery-code flow
Recovery method for encrypted information if an account password changes.
Documented
Device lock
Biometric or passcode app-lock controls.
Documented
Account deletion
In-app account deletion and associated cloud-data cleanup.
Evolving
Assumptions and explanation
The product philosophy is to show source, method, estimates and missing information plainly.
Evolving
Regulatory and launch readiness
Final data vendor licensing, legal reviews and release preparations remain necessary.
Not yet available or still in development
Planned
Automatic bank linking
Plaid-based automatic financial account linking is not documented as shipped.
Planned
Tax-aware account withdrawal order
Detailed taxable / retirement-account drawdown rules, RMDs and healthcare modeling.
Planned
Fully localized interface
Translate the full application interface into other languages.
Planned
Automated account-based emergency-reserve insight
Live essential-expense runway calculations.
Planned
Push reminders
Optional reminders and notifications.
Planned
Complete legacy-screen redesign
Bring remaining older detail pages into the updated design.
Private iPhone beta
Explore what matters to you.
See how aMoneyKeel can help with your next financial question. Testing invitations are handled by email.
Request beta access →