What is Killion Labs
Killion Labs is an AI-powered financial planning tool that simulates your money across decades. It connects to your real brokerage, bank, and crypto accounts via read-only access, then runs 1,000-path Monte Carlo projections to show your net worth, retirement runway, and financial independence date. Killion is not a financial advisor—it's a planning and education tool that helps you stress-test assumptions and see the cone of possible outcomes.
How to use Killion Labs
- Connect your accounts – Link your brokerages, banks, and crypto exchanges through SnapTrade (read-only, under three minutes).
- Review your holdings – See all your positions, balances, and transaction history in one place, updated automatically.
- Run a simulation – Adjust assumptions like returns, contributions, inflation, and retirement age. Killion projects your net worth across the next 60 years using 1,000 probabilistic paths.
- Explore scenarios – Model recessions, layoffs, or big purchases to see if your plan still holds.
- Get insights – The AI assistant, aware of your full financial picture, helps you interpret results and identify next steps.
Features of Killion Labs
- 1,000-path Monte Carlo simulation – Projects median, best 10%, and worst 10% outcomes across decades.
- Real-time account sync – Connects to 15+ brokerages, banks, and crypto exchanges (Schwab, Fidelity, Robinhood, IBKR, Coinbase, etc.).
- Read-only access – Killion can see positions but cannot trade, transfer, or withdraw money.
- Adjustable assumptions – Change returns, contributions, inflation, retirement age, and see instant feedback.
- Stress-test scenarios – Model recessions, layoffs, or large purchases.
- AI assistant – Context-aware help based on your actual financial picture.
- Net worth tracking – Live net worth with every account reconciled in real time.
- Daily activity tracking – Every transaction tracked automatically.
- Privacy-first – No ads, no data selling, no third-party trackers. Encrypted in transit and at rest.
Use Cases of Killion Labs
- FIRE planners – Run the numbers on financial independence, modeling decades of returns to set a real FI date.
- Independents – Freelancers, contractors, and self-employed individuals with complex incomes.
- Tech workers – Employees with stock compensation, multiple accounts, and long-term planning needs.
- Doctors & lawyers – High-income professionals who need to stress-test retirement and investment strategies.
Pricing
Killion charges a flat subscription fee. No commissions, no kickbacks from funds or brokers. Specific plan tiers are not detailed on the homepage.
