Keel Bill Smoothing Calculator

    Keel Money Simulator — See how Keel could help you
    Pre-launch illustrative Simulator Example Only

    1. Enter your bills

    We have entered some bills as an example, however, add your own details to see how it will work for you:

    $
    Simulating Real-World Bill Shock
    $
    Example Bills:3/5 Bills Loaded
    Weekly Rent($600/wee)Due: 23/06/2026
    Quarterly Electricity($370/qua)Due: 25/06/2026
    Private Health Premium($170/mon)Due: 27/06/2026

    2. What a Smart Contribution looks like:

    The below outputs and this tool serves as an illustrative demonstration and serves strictly as an example of our upcoming automating smoothing logic algorithms and does not represent and an active product. Keel Money is currently pre-launch, is awaiting regulatory approval and will not launch until the appropration authorisations are recieved.

    Without KeelChaotic bill shock
    22/06Pay day
    +2,900
    23/06Weekly Rent
    -$600
    25/06Quarterly Electricity
    -$370
    27/06Private Health Premium
    -$170
    30/06Weekly Rent
    -$600
    06/07Pay day
    +2,900
    07/07Weekly Rent
    -$600
    14/07Weekly Rent
    -$600
    ⚠️ Lumpy & Irregular
    With KeelPeace of mind
    22/06Pay day
    +2,900
    22/06Keel Smart Contribution
    -$1340
    06/07Pay day
    +2,900
    06/07Keel Smart Contribution
    -$1340
    🛡️ Smooth & Consistent!

    Example Smart Contribution Summary

    Collected in line with your regular paycycle
    $1340.15per fortnightly pay
    Example Smart Contribution Bill Collection:$1335.38
    Example Smart Contribution Fees:$4.77

    * Keel Simulator Disclaimer: This calculator is a financial simulation tool provided for general illustrative and educational purposes only. Any outputs, projections, or estimated regular "Smart Contributions" generated by this tool are hypothetical models based on the custom expense values and pay frequencies you enter. They do not represent an offer of credit, a contract, a live transactional facility, or a guarantee of financial performance. Keel operates entirely as a pre-funded non-cash payment facility, not a credit provider, lender, or banking institution. All automated bill smoothing plans require your sub-wallet to be fully pre-funded in advance by your own regular allocations prior to individual third-party expense due dates. Actual pro-rata transaction fees are subject to strict monthly fee caps ($10.99 maximum) and fractional tiering based on individual outbound bill sizes. For full details on our pending licensing status, structural security protocols, and operational terms, please refer to the general regulatory disclosures maintained at the baseline of this page