Killion is a paid product with no permanently free tier, so setup includes choosing a plan. If you want to see the simulation engine before paying, the live demo runs it on a fictional household with no account at all.
Step by step
- Create the account. Sign up with an email address and password. You will get a verification email; the account is limited until you confirm it.
- Choose a plan. Pro or Max, monthly or annual. Annual is cheaper per month. Every plan carries the same 14-day refund window.
- Add what you own. Link brokerage and crypto accounts read-only, and add cash, property and liabilities manually. You do not need everything on day one — start with what dominates the balance sheet.
- Fill in the budget. Enter income, fixed costs and flexible spending. These become the income and spending curves the projection uses by default, so a rough but honest pass beats a precise but optimistic one.
- Run a projection. Open Virtual Scenarios and run. The first result is a distribution, not a number — read the range before the median.
If a figure looks wrong at the end of setup, it is almost always a missing account or a spending category that has not been filled in. The balance sheet and the budget are the two inputs everything else depends on.