AI Retirement Planner
Kaight is an AI retirement planner built the other way round from most chatbots. The language model does not calculate. It collects the facts you give it, chooses which analysis to run, and explains the report. The analyses are published, deterministic calculations, the same ones on our tools pages. Every number Kaight states comes from one of them.
Kaight is education, not advice. It shows what your assumptions and a portfolio’s history imply. It does not recommend investments or tell you what to do.
Kaight is in private testing. The calculations it runs are open to everyone now:
What Kaight runs
Retirement projection
- Your cash flows by age in today's dollars
- Funded or not and what would change it
Stress test
- The plan replayed from every past start month
- Survived start dates and the worst one
Portfolio review
- What a mix of funds holds and costs
- How it compares with a plain reference mix
Return reality check
- Your assumed return against history
- Over your plan's own horizon
What it will not do
- Recommend a fund, a security or an allocation for you.
- State a number it did not get from a calculation.
- Present a historical simulation as a prediction. Every result is labelled hypothetical, and the caveats come before the results.
How planning with it works
- Tell Kaight about your situation in plain words: ages, savings, income, spending and when you want to stop working.
- It stores those facts in your plan, and you can see and edit them.
- It runs the analyses that answer your question and shows the reports.
- You change an assumption, and it runs them again so you can compare.