Keel 5.3.6 expands international bookkeeping support and refines customizable 5-Folder Business & Tax Pack exports: • Keel Universal Accounting Ledger (International Module 05): For businesses outside the US, UK, Canada, Australia, and New Zealand, Module 05 now automatically generates the Keel Universal Accounting Ledger (05_Keel_Universal_Accounting_Ledger.csv, 05_Tax_Collected_And_Paid.csv, and 05_Category_And_Mileage_Summary.csv) in your local region and currency—with cash-settlement dates, receipt substantiation flags, and account mappings ready for any accountant worldwide. • True Pick-Your-Own 5-Folder ZIP Exports: Selecting specific folder modules (01..05) in Onboarding, Records, or on the Paywall now filters the generated ZIP archive so only your chosen modules (plus the interactive HTML browser) are packaged. • Statutory Workpaper Refinements: Statutory mappings in 1_Tax_Return_Ready/ now include top-of-file gross revenue and return lines, receipt-substantiated vs. held-back input tax summaries, US IRC Sec. 164(a) purchase sales tax basis folding in QuickBooks journal imports, and mileage vs. actual vehicle expense cross-checks. • Pre-Export Review in Monthly Trend & Reports: Generating an Income Statement or Records package displays a clear pre-export summary sheet and guards against exporting empty periods before records are logged. • Live Invoice PDF Studio & 1-Tap Substantiation Bar: Frame high-DPI Circle, Square, or Rectangle logos with live PDF preview, and tap the substantiation progress bar in Records to filter missing-receipt expenses in one tap.

Keel 5.3.5 — Built for Every Self-Employed Pro: Freelancers, Consultants & Independent Contractors • Universal 1-Line Self-Employed Ledger: Whether you are a freelancer (designer, developer, photographer, video producer, social media pro, architect), a consultant or solo business (coach, personal trainer, real estate agent, event planner, boutique agency), or an independent contractor & tradesperson (1099 / Sole Trader), type 'Apex $1,850 invoice + $84 Adobe/gear + 18 mi' on Today to log client billing, deductible expenses, and mileage in one stamp. • Executive 2-Column Client Invoice PDF Studio & Lossless Logo Framing: Customize proposals, retainers, and client invoices in Settings → Invoice with Classic, Bold, or Minimal templates, high-DPI Circle, Square, or Rectangle logo framing, on-device QR payment links, and vector signatures—with an exact live PDF preview before sending. • Smart Expense, Software, Gear & Vendor Memory: Snap any business receipt offline—software subscriptions, camera/studio gear, client meals, travel, or job supplies—and stage consecutive receipts in under 150ms. • Pick-Your-Own 5-Folder Tax & Lender Income Proof Pack: Export your customized 5-folder BLAKE3-sealed archive (01..05) including Bank/Landlord Income Proof PDF, Client Legal Dossiers, and statutory tax workpapers for US (IRS Schedule C & 1099-NEC), UK (HMRC SA103F, CIS & MTD VAT), Canada (CRA T2125, GST/HST & Québec TP-80-V), Australia (ATO & Simpler BAS), and New Zealand (IRD IR3B & GST101A).

Keel 5.3.4 — Executive Invoice PDF Studio, Custom Tax Packs & 1-Tap Receipt Triage • Executive 2-Column Client Invoice PDF Studio & Lossless Logo Framing: Customize your client-ready invoices in Settings → Invoice with Classic, Bold, or Minimal templates, high-DPI Circle, Square, or Rectangle logo framing, on-device payment QR codes, and vector signatures—and inspect or send the exact client PDF before saving. • Pick-Your-Own 5-Folder Business & Tax Pack: Choose the exact export modules (01..05) your business or accountant needs—4 universal business modules plus your country's statutory workpapers (US IRS Schedule C & Form 4562, UK HMRC SA103F & MTD VAT, Canada CRA T2125 & GST/HST, Australia ATO & BAS, New Zealand IRD IR3B & GST101A). • 1-Tap Substantiation Progress Bar: Tap the readiness bar in Records or Tax Year to filter directly to expenses missing a receipt photo and attach camera/photo evidence in one tap. • Fast Sunday Receipt Triage (Under 150ms Post-Play) & Warm-Start Onboarding: Confirming a receipt in the Ingest Inbox stages the next receipt in under 150ms, and new interactive onboarding sets up your business identity, invoice branding, and 1-tap competitor import from day one.

Keel 5.3.3 — Instant Receipt & PDF Engine • Zero-Hang Receipt & Evidence Previews: Multi-page work evidence, expense receipts, duplicate checks, and branded invoice/estimate PDFs now decode 100% off the main thread with high-speed ImageIO caching. • Faster 5-Folder Tax Pack & Customer Dossier generation for year-end Schedule C & 1099 preparation.

What's New in 5.3.2: • Unlimited $0/mo daily contractor workflow: create field estimates, work orders, invoices, on-device receipt OCR scans, and IRS mileage logs with zero subscription walls. • Faster Zero-Sheet Inline Dock & Bare-Amount Reflex for instant job-site entry. • Reliability, keyboard focus, and PDF export polish across Customer Dossiers and the 5-Folder Tax Pack.

What's New in Keel 5.3.1: • Zero-Sheet Inline Dock & Bare-Amount Reflex: Type a bare amount like "84.50" to recall your habitual supply house in 1 tap, or "24" to log a mileage trip. Convert quotes to invoices, stamp payments, set Net 14d/30d terms, apply a -5% discount, or type "change 62.25 to 71.50" inline—with zero modal form sheets. • Unified Customer · Job · Money Glass Lens & Route-Aware Job Magnet: A live 1-line glass lens above the Dock shows your Customer, Active Job, Billed/Spent totals, and Net Margin %, while automatically locking onto the job you're viewing (including completed jobs for warranty follow-ups). • Tactile 3-Step Onboarding & Sculpted 3D Paper & Stamp Icon: Full-bleed Light, Dark, and Tinted icon plus a 3-step tactile setup for instant 1-line stamping, private iCloud continuity, and 5-folder tax exports. • Hardened iPhone & Web iCloud Continuity + Live Net Margin Pulse: Dual-zone CloudKit Web Services sync between iPhone and the Keel Web Workspace, live Net Kept % & Tax Shield header pulse, fixed-quote material cost isolation, and automatic duplicate-receipt merging.

What's New in Keel 5.3.0: • Instant Bidirectional iCloud Workspace Sync: Automatic batch sync between your iPhone ledger and the companion Keel Web Workspace on launch, foreground, Sign in with Apple, and iCloud Backup—covering all invoices, open & completed jobs, clients, expenses, and multi-year mileage. • Streamlined 2-Option Paywall & Export Flow: Clear visual selection indicator between the Complete Business & Tax Pack (All-in-One 5-Folder ZIP) and Keel Pro Lifetime with a single adaptive action button. • Dark Mode & Tactile Surface Refinements: High-contrast terracotta switches in Dark Mode, cleaner Click Wheel Quick-Peek, Passbook Client Cards, and zero-jargon single-line bill slips. • Quiet Partner 8:00 AM & 5:30 PM Daily Rhythm: Live-updating morning site brief and evening wrap-up digests with lock-screen quick action—silent whenever nothing is due.

What's New in Keel 5.2.9: • Full Bidirectional iCloud Web Workspace Sync: Set up your Business Profile and log Clients, Jobs, Quotes/Invoices, Expenses/Receipts, and Mileage Trips in the companion Keel Web Workspace—every record automatically imports into your iPhone ledger and completes your Today setup steps. • Primary-Key CloudKit Manifest Sync: Faster, reliable multi-device record discovery between iPhone, iPad, and Web using your private iCloud container (BLAKE3 verified, zero third-party servers). • Customer 1st 3-Space Shell & Gloved-Thumb Dock 2.0: Navigate Today, Customers, and Money in one tap with Active Job Magnet auto-linking and tap-to-flip capsules (Billable Invoice + Supply vs Tax Shield). • Customer Legal Dossier & 5-Folder All-in-One Pack ($49.99) or Lifetime ($299.99): Export a BLAKE3 Customer Dossier anytime, or generate the 5-folder Complete Business & Tax Pack across Monthly, Quarterly, Annual, or Multi-Year scopes.

What's New in Keel 5.2.8: • iCloud Web Workspace Continuity: Seamlessly sync invoices, mileage trips, and tax records between your iPhone, iPad, and the companion Keel Web Workspace via your private iCloud container (BLAKE3 verified, zero third-party servers). • Customer 1st 3-Space Shell & Gloved-Thumb Dock 2.0: Navigate Today, Customers, and Money in one tap with Active Job Magnet auto-linking and tap-to-flip capsules (Billable Invoice + Supply vs Tax Shield). • Job ↔ Vendor ↔ Material Price Memory: Automatically tracks what you bought, from which supplier, when, and for how much across jobs—and adjusts quote recommendations when supplier material prices rise. • Customer Legal Dossier & 5-Folder All-in-One Pack ($49.99) or Lifetime ($299.99): Export a BLAKE3 Customer Dossier anytime, or generate the 5-folder Complete Business & Tax Pack across Monthly, Quarterly, Annual, or Multi-Year scopes.

What's New in Keel 5.2.7: • Customer 1st 3-Space Shell & Gloved-Thumb Dock 2.0: Navigate Today, Customers, and Money in one tap. Type multi-clause entries in the Dock with Active Job Magnet auto-linking and tap-to-flip capsules (Billable Invoice + Supply vs Tax Shield). • Job ↔ Vendor ↔ Material Price Memory: Automatically tracks what you bought, from which supplier, when, and for how much across jobs—and adjusts quote recommendations when supplier material prices rise. • Customer Legal Dossier & Job Evidence PDF/ZIP: Export a BLAKE3 hash-chain verified Customer Dossier or Job Evidence Book with one tap. • Simplified 2-Option All-in-One Pack ($49.99) or Lifetime ($299.99): Every pack now includes all 5 folders (Tax Return Ready, Bank Income Proof PDF, Customer & Job Dossiers, Receipts Vault, and Accountant CSVs) plus an offline HTML browser across Monthly, Quarterly, Annual, or Multi-Year scopes.

What's New in Keel 5.2.6: • Customer 1st 3-Space Shell & Gloved-Thumb Dock 2.0: Navigate Today, Customers, and Money in one tap. Type multi-clause entries in the Dock with Active Job Magnet auto-linking and tap-to-flip capsules (Billable Invoice + Supply vs Tax Shield). • Job ↔ Vendor ↔ Material Price Memory: Automatically tracks what you bought, from which supplier, when, and for how much across jobs—and adjusts quote recommendations when supplier material prices rise. • Customer Legal Dossier & Job Evidence PDF/ZIP: Export a BLAKE3 hash-chain verified Customer Dossier or Job Evidence Book with one tap. • Simplified 2-Option All-in-One Pack ($49.99) or Lifetime ($299.99): Every pack now includes all 5 folders (Tax Return Ready, Bank Income Proof PDF, Customer & Job Dossiers, Receipts Vault, and Accountant CSVs) plus an offline HTML browser across Monthly, Quarterly, Annual, or Multi-Year scopes.

What's New in Keel 5.2.5: • Switch & Import in 1 Tap (13 App Presets): Moving from QuickBooks Self-Employed/Online, FreshBooks, Jobber, Joist, Invoice Simple, Wave, Xero, FreeAgent, Tradify, or Fergus? Import your historical CSV or ZIP exports with a write-free reconciliation preview, automatic duplicate detection, and hash-chain verification (Settings -> Import from Another App). • UK HMRC SA103 & MTD VAT Support: Added full UK sole trader support including HMRC SA103S (Short), SA103F (Full), 9-Box Making Tax Digital (MTD) VAT worksheets, HMRC AMAP tiered mileage (45p/mi first 10,000 mi; 25p/mi after), A4 PDF formatting, and 6 April – 5 April UK tax year exports. • Long-Term Ledger Durability & Multi-Decade Support: Automatic background SQLite WAL checkpointing and timeless tax/income pack generation across future tax years. • In-App Feedback & Ideas Sheet: Share feature requests or feedback directly from Settings while keeping 100% of your business data on-device.

What's New in Keel 5.2.4: • 1-Line System 1 InputDock: Type a single natural-language line on Today (e.g., "Harrington $120 lumber, 18 mi") to link job costs, file expenses, and log mileage in one step. • Today Up Next & Recaps: Instant visibility into overdue invoices, unbilled work, year-to-date net profit, and deductible totals. • Single-Period Export Packages: Need just one export? Choose the Tax Return Pack ($49.99), Income Proof Pack ($39.99), or Raw Business Data Pack ($24.99) directly in Settings or Reports—or unlock Keel Pro Forever. • Multi-Country Tax & Mileage Support: Added statutory supporting worksheets and mileage logbooks for US (Schedule C / 1099-NEC), Canada (T2125 / GST34 / Quebec TP-80-V), Australia (Simpler BAS / BPI P8), and New Zealand (IR10 / GST101A). • Profile & Account Controls: Dedicated Business Profile screen with explicit Apple Account deletion and confirmation.

Keel 5.1 speaks your language — and shows its work. • Six new languages: French, German, Spanish, Italian, Dutch, and Portuguese (Brazil). Keel follows your iPhone's language; switch any time from Settings. • Watch your first invoice take shape as you type — setup now builds your document live, so you see the result before you finish. • Today opens with "Needs your call": overdue invoices, accepted quotes ready to convert, finished work waiting to be billed. One tap each — you decide, Keel never acts alone. • Line items you've used before are suggested as you type, priced from your own history. Nothing new is stored: your ledger is the price book. • The Outstanding widget now shows who has owed you the longest, and what came in this month. • Your Year in Business: invoiced, collected, busiest month, fastest-paying client — computed entirely on your iPhone. Share the card with amounts hidden or shown. • Verify Ledger keeps its answer on screen now, with when it last ran — your proof and your backup, side by side. • Marking an invoice paid shows your year's running total. • A refreshed look for iOS 26, including a new layered app icon. No account. No subscription. Your books never leave this iPhone.

Keel 5.0 is the Working Ledger release — our biggest update yet. • New layout: Work, Clients, Memory, Business. Your day starts on Today, inside Work. • Schedule jobs with a real date and an optional start time — scheduled work shows up on Today. • Finish a job and create its invoice in one tap. Invoices can now link directly to work, no quote needed. • Smarter receipts: duplicate preview with Open Existing or Save Another Copy, split receipts with per-split category and business purpose, and Photos/Files/manual import when the camera isn't available. • Every derived number in Memory and Business shows its sources — tap through to the records behind it. • Honest progress everywhere: nothing shows success until it is actually saved on your iPhone. • The whole app now adapts cleanly to the largest accessibility text sizes. • Dozens of fixes and refinements.

Bug fixes: the currency symbol now always matches the currency you selected, and you can update your cash balance anytime from the Waterline view.

Performance and reliability improvements.

New in 3.1 • Ask your books — instant, on-device answers about your money, right in Reports. • Import from anywhere — share a receipt, invoice, or payment note into Keel from Mail, Photos, or Files, and file it in a tap. • Payment reminders — set Net 15/30/60 terms, get a calm nudge before an invoice is due, and send a ready-drafted reminder email to your client. • Clients, remembered — every client becomes a self-updating record: a timeline of invoices, payments and notes, key stats, and one-tap call, message, or email. • Invoices grouped by client, each with an "awaiting" badge so you always know who owes what. • A month-by-month income-vs-expense trend in Reports. • Reliability and polish throughout. As always, everything runs entirely on your iPhone — no account, no cloud.

Keel 3.0 — prove it at tax time. • Unlimited invoices, free. The monthly limit is gone. • NEW Reports — top clients, a month-by-month income vs. expense trend, and a Schedule C-style deduction summary. • NEW IRS-ready mileage report — every trip, rate-stamped, ready for your accountant. • NEW Accountant Pack — export transactions, expenses, mileage, and a deduction summary as CSV + a summary PDF, in one share. • NEW invoice templates — Classic, Bold, or Minimal — plus your logo, brand color, and hand-drawn signature. • NEW Keel Pro Lifetime — own Keel Pro with a single purchase, no subscription. Still 100% on your device. No bank connection, no cloud, no account. Your books never leave your iPhone.

Freeboard - one number: what is actually yours after tax and bills. - New hero card on Today: cash minus tax reserve, committed bills, and your safety buffer - The Waterline: tap the number to see exactly how it is built, line by line - 3-step setup: anchor your cash, pick a tax rate, add what is committed - Home Screen and Lock Screen widgets keep your freeboard in sight - Ask Siri: "What's my freeboard?" - Keel spots recurring charges in your expenses and suggests them as commitments - Optional invoice footer: "Sent with Keel" Tax reserve is an estimate, not tax advice. Everything stays on your device, as always.