Budgeting that feeds your retirement projection

A forty-year projection built on an estimated savings rate is an estimate with extra decimal places. Killion derives the income and spending curves from your budget by default.

Why the budget and the projection should be the same data

In most stacks the budgeting app and the planning app never speak. You reconcile spending in one, then type a savings rate into the other, and the projection slowly drifts away from your life.

Killion treats the budget as the input layer for the simulation. Change your spending and the trajectory changes; add a liability and it appears in fixed expenses and in the projection’s cash flow.

How the budget is structured

Categories split into fixed, flexible and non-monthly, because they behave differently in a projection. Fixed expenses are a floor. Flexible spending is what a guardrail rule can actually cut. Non-monthly items (insurance, tax bills, holidays) are the ones that make a naive monthly average wrong.

  • Fixed. Single amount per line, with open liabilities pulled in automatically.
  • Flexible. Budget versus actual, so the projection knows what could flex.
  • Non-monthly. Irregular items amortised properly instead of distorting a monthly figure.
  • Savings and investments. Routed to a chosen asset so contributions land in the right place in the model.
  • Net worth tracking: One balance sheet across linked brokerages, crypto and manual assets, with continuous daily history.
  • What-if scenarios: Retire two years earlier, switch the spending rule, add a market shock, then compare up to four plans side by side.

Frequently asked questions

Does Killion link to my bank automatically?
Not at present. Automatic bank linking is paused while we move to a new provider, so cash and bank balances are entered manually. Brokerage and crypto accounts continue to sync automatically.
Do I have to use the budget to run a projection?
No. Income and spending curves sync from the Budget by default, but either can be switched to manual and shaped by hand.
What is essential spending used for?
It is the floor a flexible withdrawal rule will not cut below, which is what makes a flexible policy realistic rather than theoretical.
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