Your financial life,
in focus.
Keyly brings your accounts, pensions, investments, property, debts and financial documents into one clear picture — for you, or for the two of you. See where you stand together, plan the retirement you both want, and check you're on track every time a statement lands.
See how it connects ↓A statement, every month
Pension statement
Aviva · Sep 2026
uploaded by Alex
Balance
£141,200 → £148,000
proposed — you confirm
Retirement checkpoint
£6,400 ahead
of the line you saved
One statement tells you both whether you're still on track.
Your finances got complicated. Your tools didn't.
You've probably got a couple of current accounts, some savings, a pension or two from old jobs, maybe an ISA and a few investments. There's the mortgage, perhaps a car on finance, insurance you keep meaning to review, and — if this year's been good to you — a bonus that just landed and needs a decision. None of that is hard to understand on its own.
The hard part is keeping all of it in view at the same time.
Two old pensions, one current number — recomputing now
You're not looking for a budgeting app.
You don't need someone telling you to cancel Netflix or stop buying coffee. You want to know whether your bonus should go into your pension or towards the mortgage. Whether you can renovate the kitchen and still take the trip you've been planning. Whether you're on track for retirement. Whether buying the house you really want is a smart decision.
Those are the decisions Keyly is built for.
Join the waitlistEverything you own. Everything you owe. One clear picture.
Accounts, pensions, investments, property, mortgages, loans, insurance, documents and tax paperwork — together, with the relationships between them intact.
Statements in, picture out
Upload this month's statement and Keyly reads it, proposes the new balance and anything that's changed, and waits for you to confirm. No bank logins, ever.
Net worth, together and apart
One number for the household and each person's own share, with a real history. Overseas accounts are valued at the rate for each date, so today's rate never rewrites last year.
Assets and liabilities, linked
Your home carries its mortgage, your car carries its finance, and property, business interests and overseas assets sit in the same picture — a net position, not a pile of numbers.
Every loan, its own page
See how the balance falls, how much of each year goes on interest, when the fixed rate ends, and what overpaying would save — checked against early-repayment charges.
What your investments hold
Pension statements and fund factsheets reveal the asset mix, regions and charges underneath every pot — so a concentration across three accounts doesn't go unnoticed.
Tax paperwork, ready to hand over
Each person's documents by tax year and country, a filing tracker, and a secure, expiring link for your accountant. Keyly organises; it never calculates or files.
One picture. Two of you.
Most couples manage money in two banking apps and a spreadsheet one of them keeps. Keyly gives you a single household that you both see and both can change — with what's yours, what's theirs and what's shared kept straight.
- Everything visible to both of youNo private corners and no second copy. Either of you can upload a statement, update a loan or change the plan, and the other sees it straight away.
- Yours, mine and ours — counted onceGive anything a split — 100/0, 50/50, 70/30. You each see your own net worth and the household's, and a joint account is never counted twice.
- Your partner gets their own welcomeInvite them by name and Keely introduces herself, walks them through how Keyly works, and asks about their priorities — without making them redo what you've built.
- On the same page, gentlySee each other's priorities side by side and the goals you share. Different top priorities are normal — Keyly never scores them. Keely checks in with each of you once a month.
One subscription covers the whole household — your partner never needs their own.
Net worth · together
£617,400
- HomeBristol50 / 50£700,000
- MortgageNationwide50 / 50−£362,000
- Joint current accountMonzo50 / 50£8,400
- Workplace pensionAvivaAlex£148,000
- Workplace pensionScottish WidowsSam£96,000
- Stocks & Shares ISAVanguardSam£41,000
- Car financeBlack HorseAlex−£14,000
Both of you see every line. The split only decides whose net worth it counts towards — so the home is £350,000 each and £700,000 together, never counted twice.
Pick the retirement you want. Know if you're on track.
Slide to the life you'd like to afford — Pensions UK's Minimum, Moderate and Comfortable standards are marked as a guide. Keyly counts both State Pensions, any final-salary pension, every pot you hold and what you and your employers already pay in, and shows the number to aim for.
A target in real pounds
The figure your statements will actually show, with one line translating it into today's prices.
Checkpoints, not a distant number
An on-track balance for every year. Each new statement is compared with the line, so you know this quarter's news.
A line that doesn't move to flatter you
It's fixed on the day you save your target. A bad quarter shows as behind — it isn't quietly absorbed.
One shared goal
A couple plans one retirement together. Either of you can try a new age or spending level and save it.
Every assumption — growth, inflation, tax on withdrawals — is shown and yours to change. Keyly helps you understand the gap; it doesn't tell you what to buy.
Needed by 2045
£1.56m
about £887k in today's prices
Your pots are heading for
£2.14m
with what you both pay in today
On track, with £584k to spare
Checkpoints — where your combined pots should be
2027
£316k
2030
£425k
2035
£672k
2040
£1.03m
An illustrative couple, 41 and 39, with £285k in pensions and ISAs, retiring at 60. Living standards from Pensions UK; method adapted from Financial Interest's retirement calculator.
Filed once. Never overwritten silently.
Mortgage offers, insurance policies, leases, surveys — uploaded once, always linkable to the record they govern. Keyly's AI reads each one, proposes the exact fields it would change, and waits for you to confirm before anything is written.
We found information that could update your mortgage record
Source: Mortgage_Offer.pdf · 14 August 2026
Meet KeelyThe intelligence inside your financial life.
Keely isn't here to tell you what to do. She's here to help you think it through — an incredibly informed, financially astute friend who knows your financial life inside out, because she has access to all of it.
Ask Keely is a real, working interface today. The AI that reasons over your live data and answers with citations is what we're building next.
Money should enable your life. Not get in the way of it.
Financial wellbeing isn't about spending as little as possible. It's about knowing you can afford the life you're choosing — so you can spend less time managing your money, and more time enjoying what it's there for.
A smarter way to manage your financial life.
£15 / month
One place for everything you own and owe — for one person or a whole household, at the same price. A clearer view of where you are, and where you're going.
- Your partner included, at no extra cost
- No commissions
- No products to sell you
- No judgement about how you spend your money
Keyly is currently in beta.
Join the waitlistNo bank logins
Keyly works from the statements and documents you choose to upload. It never asks for, sees or stores your banking credentials.
Encrypted and private
Sensitive data is encrypted in transit and at rest, and access is limited to the members of your household.
You confirm every change
Nothing an upload proposes is saved until one of you confirms it. Delete a document or remove an account whenever you choose.
Guidance, not advice
Keely helps you think through decisions — she doesn't execute trades, manage investments, or replace a regulated financial adviser.
Know where you stand. Know what you can do.
Your finances are probably more complicated than they used to be. They don't have to feel that way.
Be among the first to experience Keyly.