Hey folks, I'm Ben. I built Kilter. It's personal finance software that helps you make decisions about your future.
It's like if a budgeting app and a Monte Carlo simulator had a baby, and that baby was really into AI.
You feed Kilter your spending habits (via Plaid, manually, or through your own LLM agent) and then your future goals (buying a home, paying for private school, selling a company, etc.). And then you ask questions about it:
- I'm burnt out. What if I took a lower paying job for a few years? How does that affect my retirement?
- What if my company went public for $x? What about $x * 10? How would that affect what we could leave our kids?
- What if I cut my restaurant spending in half, could we afford a puppy?
Kilter is meant to be helpful at any level of wealth, from those just starting out, to those with vacation properties, to those lucky few with frontier lab AI equity.
I built Kilter because I've been obsessed with personal finance ever since my first engineering job at a fintech over a decade ago. Since then I've used all kinds of budgeting apps and retirement planners, but they were always distinct from each other, and none gave me my full financial picture. They were also not built in a way that let my LLM agent talk to them, which is increasingly important for me.
Kilter combines all three: budgeting + planning + AI, and the result is actually pretty magical. I had high hopes but I'm honestly a little surprised at how well it works, and how useful it's already been for me.
Give it a try and let me know what you think! There's a bunch of demos you can try:
US Demos:
- A Bay Area family: two kids, private school and college from 529s. https://app.trykilter.com/demo/us-family{data-no-preview=true}
- Retiring early: retiring at 45 with a Roth conversion ladder. https://app.trykilter.com/demo/fire-wa{data-no-preview=true}
- A consultant with an S corp: salary or distributions, and a Solo 401(k) on that salary. https://app.trykilter.com/demo/ca-consultant{data-no-preview=true}
Canadian Demos:
- A Vancouver family: two kids, an RESP and a basement suite. https://app.trykilter.com/demo/ca-family{data-no-preview=true}
- A Montreal family: a duplex, a teacher’s pension and an RESP with the QESI. https://app.trykilter.com/demo/montreal-family{data-no-preview=true}
- An incorporated doctor: salary or dividends from the corporation, side by side. https://app.trykilter.com/demo/incorporated-physician{data-no-preview=true}
