Switching · Canada

Bringing your ProjectionLab plan to Kilter

You've put real work into your plan in ProjectionLab, and you don't want to build it again. Kilter reads ProjectionLab's export, so your household, accounts, events, income and spending come over as a Kilter plan. Then Kilter works out your federal and provincial tax for every year of it.

Start free Try the demoBringing in one plan works on every subscription, Free included.

What comes over

Your household. You, your partner and your children, with each person's life expectancy and retirement. A partner you'll marry later joins the plan at the wedding.
Your events, timed by a date, an age, another event, your net worth, an account's balance or a loan paid off.
Today's accounts, assets, mortgages and loans, on your balance sheet. Importing again updates them rather than copying them.
Your income and spending, including part-time spells, flexible spending and expenses that repeat every few years.
CPP and OAS, your inflation and, when you set your own, your growth rates. Your simulation method comes too, a historical backtest included.
Your what-ifs. Events, incomes, expenses and purchases you switched off come in switched off, ready to try.
The plans you choose. The one active in ProjectionLab, or the ones you pick, each as a plan of its own.

Some things Kilter works out itself: where your savings go each month, the order you draw on your accounts, your taxes and RESP grants. Those settings are left out, and the import lists everything it left out. The two apps model plans differently, so check amounts, dates and who owns what once it's in.

What Kilter adds

Federal and provincial tax for every year. Kilter works out your tax month by month in every province and territory, and counts it in each of 2,000 simulations. A Quebec plan files Quebec's own return, with the QPP and QPIP.
CPP and OAS by the rules. Your CPP starts from the estimate on your Statement of Contributions, and Kilter adds what your plan's pay earns. It applies the OAS clawback too.
Saving and withdrawals decided for you. Each month Kilter decides where your savings go among your RRSPs, TFSAs, FHSAs and other accounts. In retirement it picks the withdrawal order that leaves you the most after tax.
Tax strategies side by side. RRSP meltdowns, pension splitting, gains harvesting and when to start CPP and OAS, compared by what each leaves you. Included with Core and Plus.
Your corporation, if you have one. Salary and dividends, with RDTOH, GRIP and the CDA tracked year by year. Included with Plus.
Your spending, from your real accounts. Connect your Canadian banks, cards and brokerages, or import files from your bank or another app. Bank sync is included with Core and Plus.
An assistant that knows your plan. Ask what if in plain English, and see each change it suggests before and after you apply it. Included with Core and Plus.

How to move

In ProjectionLab, open Account Settings and choose Export Data. You'll have one JSON file.
Start free in Kilter and say where you live. At “Do you keep track of your money somewhere?”, pick “In an app”, then “ProjectionLab”, and “Choose a file”.
Pick the plans to bring in. If ProjectionLab still calls you “You” and “Spouse”, type your first names.
Read “What comes in”, then choose “Import and show my projection”. Your plan opens on the Plan page.
Go through the notes under “Worth a look afterwards”, and check amounts, dates and who owns what.

Already using Kilter? Attach the export to the assistant with the paperclip, or ask Claude or ChatGPT to import it once it's connected to Kilter (Core and Plus). You can undo the import on the History page.

Common questions

Can I bring in more than one plan?

Yes, with Core and Plus. Pick the ones you want from the export, and the Compare page puts them side by side. Free includes one plan.

What should I do about my CPP?

Use the estimate at 65 from your Statement of Contributions, in My Service Canada Account. Kilter adds what your plan's pay earns on top, so the statement's figure is the one it needs. In Quebec, it's your QPP statement from Retraite Québec.

I track my spending in Monarch Money. Can both come over?

Yes. In Getting started, pick both apps and do ProjectionLab last, since it makes your plan and takes you to it. Moving from Monarch Money to Kilter has the steps for your transactions.

What does it cost?

Bringing in a plan is free, and so are tracking from files and one plan. Bank sync, the assistant, AI categorization, more than one plan and the tax strategies come with Core, at $19 a month or $149 a year. Plus adds corporations and a bigger AI allowance, at $39 a month or $269 a year. Prices are in Canadian dollars, before sales tax.

Every new account starts with 14 days of Plus, free and without a card.