Boilerplate
One line. Killion is financial planning software that connects your real holdings read-only and simulates decades of outcomes.
Short. Killion Labs builds retirement planning software for people who want to test a plan rather than be told a number. It links brokerage and crypto accounts read-only, runs a 1,000-path regime-switching Monte Carlo simulation, backtests plans against real market history to 1928, and models five named withdrawal strategies. It charges a flat subscription and takes no percentage of assets. Killion is software and is not a registered investment adviser.
Positioning. Most retirement tools produce a single confident number. Killion produces a distribution, states its method, and makes its runs reproducible.
Product facts
- Company: Killion Labs Ltd, registered in England and Wales, company number 16905669.
- Founder: Berkay Kolay, Founder, Killion Labs.
- Product launched: 2026. Public changelog at killionlabs.com/updates/changelog.
- Pricing: Pro $14/month or $132/year; Max $24/month or $228/year. No asset-based fees, commissions or kickbacks. 14-day refund window.
- Simulation: five-regime Markov switching model, Cholesky-correlated asset shocks, seeded and reproducible runs.
- Account linking: read-only through SnapTrade. No trading, transfer or withdrawal capability.
- Not modelled: taxes, Roth conversions, RMDs, annuities. Stated openly rather than implied.
- Try without an account: killionlabs.com/demo runs the real engine on a fictional household.
Research available for citation
All of it is original simulation work with the method stated, and all of it is free to cite with a link. If you want the underlying figures for a chart, ask and we will send them.
- Is the 4% Rule Still Safe? We Ran 5,000 Simulated Retirements — Is the 4% rule still safe? Flexible 4% lasted in 100% of 5,000 simulations; rigid 4% failed 1.1%. Full safe withdrawal rate trade-off table.
- What a 1% Investment Fee Really Costs Over 40 Years — What a 1% fee costs over 40 years: we simulated 5,000 lifetimes at 0%, 0.5%, and 1% expense-ratio drag. The dollar gap is larger than the percentage sounds.
- Sequence of Returns Risk: What If the Market Crashes the Year You Retire? — Sequence of returns risk explained: the same 40% crash dropped success from 86% to 71% at retirement age 65, but only to 81% at age 48. 5,000 simulations.
- Which Investing Strategy Wins? Six Strategies Benchmarked on the Same Markets — Which investing strategy wins? We benchmarked buy & hold, rebalance, glide path, guardrails, optimizer, and panic selling across 5,000 identical market lifetimes.
- Monte Carlo Simulation in Personal Finance: Why Projections Fall Short — Monte Carlo simulation in personal finance: a $4.3M projection landed at the 71st percentile; the median was $2.9M across 5,000 regime-aware lifetimes.
- Timing the Market vs Staying Invested: 40 Years of S&P 500 Evidence — Timing the market vs staying invested: miss the 10 best months since 1985 and ~$744K becomes ~$264K. Forty years of S&P 500 data on why time in the market wins.
Logos and assets
Please use "Killion" for the product and "Killion Labs Ltd" for the company. Do not alter the marks or place them on backgrounds that reduce contrast.
Contact
Media enquiries go through the contact form and reach a founder directly. We can usually turn around a comment, a data request or a review account the same week.