What every plan includes
Both plans include the whole product: read-only brokerage and crypto linking, 1,000-path Monte Carlo projections, historical backtesting to 1928, five named withdrawal strategies, what-if scenarios and the AI assistant. Max raises the limits — more connected accounts and a larger monthly AI budget — rather than unlocking features Pro cannot reach.
- Backtesting against every market start year since 1928.
- Withdrawal strategies including guardrails and dynamic spending.
- What-if scenarios with paired comparison across identical markets.
- Killion AI, with your connected holdings in context.
- Net worth tracking and budgeting feeding the same projection.
A flat fee against 1% of assets
The reason to care about fee structure is that a percentage grows with your portfolio while a flat price does not. Here is the same year, priced both ways.
| Portfolio | 1% AUM fee, per year | Killion Pro, per year | Difference |
|---|---|---|---|
| $250,000 | $2,500 | $132 | $2,368 |
| $500,000 | $5,000 | $132 | $4,868 |
| $750,000 | $7,500 | $132 | $7,368 |
| $1,500,000 | $15,000 | $132 | $14,868 |
1% is the common headline advisory rate; Empower's published schedule starts at 0.89% on the first $1M. Fund expense ratios and platform fees sit on top of that.
The gap compounds, which is the part that is easy to miss. Money taken in fees in year three would otherwise have grown for the remaining twenty-seven. Our simulation of 5,000 forty-year saving lifetimes found the total effect far larger than the percentage suggests — run your own numbers on the investment fee calculator or read what a 1% fee really costs over 40 years.
None of this says advice is worthless. An adviser does things Killion does not, tax planning and behavioral coaching among them, and for many people that is worth paying for. It says the modeling half of the job no longer requires a percentage of your assets.
Try it before you pay
There is no permanently free tier, and pretending otherwise would waste your time. There are two honest ways to evaluate Killion without committing:
- Every first plan includes a 5-day free trial of the full product. A card is required; you are not charged until the trial ends.
- The free calculators answer smaller questions outright.
And if you are weighing Killion against other tools, the comparison pages say where each of them is the better choice — including the cases where it is not us.