At a glance
Killion is planning and simulation software with read-only account linking. FI Calc is described below in its own terms. Where a figure is quoted it comes from the vendor's published pricing and was checked on the date shown.
| Killion | FI Calc | |
|---|---|---|
| Individual price | $14/mo, or $11/mo billed annually ($132/yr). Max tier $24/mo or $19/mo annually. | Free. |
| Free entry point | Live no-signup Monte Carlo demo on a fictional household, plus a 5-day free trial of the full product. Card required for the trial; no charge until it ends. | The calculator itself. |
| Account linking | Read-only brokerage and crypto linking via SnapTrade. Cash and bank balances are entered manually while automatic bank linking moves to a new provider. | None. |
| Simulation method | 1,000-path regime-switching Monte Carlo with fixed seeds, so a run reproduces. | Historical start-year simulations. |
| Withdrawal rules | Nine named rules: fixed real dollar, fixed percentage, Guyton-Klinger, Vanguard dynamic, endowment smoothing, VPW, CAPE-based, risk-based guardrails, and Merton. | Many named strategies, including VPW. |
FI Calc details checked on against the FI Calc guide. Vendors change prices; verify before deciding.
When an alternative is the right word
Switching from FI Calc is not an upgrade path. It is a job change: from a historical calculator to a household simulator. The vs page spells out the table; this page is for the query “FI Calc alternative.”
Which one to choose
Choose Killion if
- You have outgrown typing the portfolio once a quarter.
- You want clustered bad years in the model, not only the historical tape.
Choose FI Calc if
- You want free and you want history. That is a complete answer.