Personal finance and retirement planning · free to start
See where your money goes and when you can retire, with federal and provincial tax worked out every year. Ask the assistant about your money and it answers from your own numbers.
How it works
Connect your banks, cards and brokerages. Kilter can read your accounts but can’t move money. You can bring in your history from many budgeting apps too.
Transactions come in sorted into categories. Change one and Kilter remembers it for that merchant. Reports then show where your money goes each month.
Bank sync and AI categorization come with Core and Plus.
Start from the balances and spending you already have, then add events like a child, a home or retirement. The chart updates as you edit, across 2,000 simulations of market returns.
Kilter works out where each spare dollar should go and which accounts to draw from later. It shows you why, too. Set an emergency fund or keep an account aside, and Kilter plans around it.
Add your mortgage renewals too, each with when it renews and the rate you expect. Kilter works out your new payment and shows what it does to your plan. See how renewals work
With Core, Compare puts plans side by side. With Plus, Retire ASAP finds the earliest you can retire and keep the chance of success you want.
Ask in plain English. When the answer is a change, the assistant shows your current plan next to the proposed one, and nothing changes until you apply it. Kilter does the math, so the assistant never makes up a number.
It also points things out while you use Kilter and remembers what you tell it between conversations. You can read and edit what it remembers. The assistant comes with Core and Plus.
Taxes
Kilter works out federal tax and tax for every province and territory except Quebec. Your plan shows what you keep after tax.
CPP from 60 to 70 and OAS from 65 to 70, the OAS clawback, GIS, RRIF minimums and pension income splitting with your spouse.
Kilter compares an RRSP meltdown, gains harvesting in low-income years, pension splitting and starting CPP and OAS at 65 or 70. It shows what each adds to your estate. With Plus, you see which is best and apply it in a click.
CESG with carry-forward, the Canada Learning Bond, the BC grant and what happens when the plan winds up.
CCPCs with the small business deduction, RDTOH, GRIP and the capital dividend account. You set the salary you pay yourself. Kilter draws dividends when you need cash and in low-income years. Corporations come with Plus.
Low-income reductions, Ontario’s surtax and health premium, BC’s bracket freeze, dividend tax credits and probate fees.
Deemed disposition at death, probate and estate costs. What’s left is what your heirs get after tax.
Kilter doesn’t work out Quebec tax.
Your AI apps
Connect the AI app you already use. It can search your transactions, recategorize a merchant, add a rule or change your plan. Connected apps come with Core and Plus.
Pricing
Every account gets every Plus feature free during the alpha. You don’t need a card. When subscriptions start, you’ll still get a 14‑day trial of Plus. We’ll email you before it ends. After that, tracking and one plan stay free.
Tracking and one plan. No AI.
$0for good
No card needed.
Bank sync, unlimited plans and the assistant.
Freeduring the alpha
Price coming soon.
Retire ASAP, tax strategies, corporations and stock options.
Freeduring the alpha
Price coming soon.
Your data stays yours on every subscription. You can export it or delete your account at any time.
You sign in to your bank through Plaid, so Kilter never sees your password. The access Kilter keeps is encrypted.
The History page shows every change, yours or an AI app’s, with its before and after.
The same plan always gives the same numbers. Each year’s tax return shows how your tax adds up, line by line.
Your partner signs in with their own account to the same finances. The History page shows which of you changed what. Sharing comes with Core and Plus.
You get every Plus feature and don’t need a card. Your first plan takes a few minutes.
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