Personal finance and retirement planning · free to start
See where your money goes and when you can retire, with federal and state 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.
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 state and DC, plus a local rate you set. Your plan shows what you keep after tax.
401(k)s and 403(b)s, Roth 401(k)s, traditional and Roth IRAs (backdoor too), HSAs and 529s, with limits, catch-ups, early withdrawal penalties and RMDs.
Claim at any age from 62 to 70, with spousal and survivor benefits and the 50% and 85% rules for how much of it is taxed.
Kilter compares Roth conversions to the top of a bracket or on an optimized schedule, 0% gains harvesting and claiming Social Security at 62, full retirement age or 70. It shows what each adds to your estate. With Plus, you see which is best and apply it in a click.
Long-term gains and qualified dividends at 0, 15 and 20%, the 3.8% NIIT, FICA or self-employment tax and Medicare’s IRMAA surcharges, based on your income two years before.
Income tax for all 50 states and DC, with their retirement income exclusions, plus a flat local rate you set, for places like NYC or a Maryland county.
A TIPS ladder for inflation-protected income until Social Security starts. At death, Kilter counts stepped-up basis, your heirs’ tax on pre-tax accounts and federal estate tax.
Kilter doesn’t model itemized deductions, the AMT, ACA premium credits or state estate taxes.
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 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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