An Auto-CFO for 1099 workers: bank-connect → auto-categorize → real-time federal + SE + state quarterly tax estimate → per-deposit set-aside, plus a draft Schedule C. Accounting-only — no custody, no ACH.
Audience
Freelancers, gig workers, and the self-employed who get blindsided by quarterly taxes and under-set-aside.
Positioning
Set-aside guidance you can trust because the math is real and year-keyed. Not tax advice; never takes custody of funds.
Current goal
User deploys next — rotate transcript-exposed secrets first. Runs live locally (Docker + demo account).
Voice
Steady, almanac-calm, reassuring about money. The 'Dead Reckoning' navy-and-brass register — a trusted navigator, not a nag.
steadyreassuringprecisehonestcalm
Channels
Web app · Bank connect (Plaid) · Direct
Operator notes
Renamed AutoCFO → Keel. Pure tax-engine (100% cov, integer-cents). Plaid webhook ES256 verified. 176 tests green.