Klaris - Intelligent Personal Finance

Seamless Integration: Retire your spreadsheets.

Stop wasting hours downloading CSVs and fixing broken formulas. Link your brokerages and bank accounts once, and Klaris automatically syncs your holdings, transactions, and net worth every single day.

• Real-time net worth and asset tracking
• Secure, read-only Plaid integration
• Consolidated view of all your assets

Holistic Wellness: Your Financial Check-Up.

Get a comprehensive analysis of your financial wellbeing across spending, savings, emergency fund, and retirement readiness. Klaris identifies what's working and surfaces AI-powered recommendations to strengthen your position.

• Personalized Health Score across 5 dimensions
• AI-generated actionable recommendations
• Retirement success probability via Monte Carlo simulation

Automated Rebalancing: Stay perfectly allocated.

Tell us your target asset allocation, and Klaris automatically detects when your portfolio drifts. We'll tell you the exact trades to make across your accounts to get back to your desired balance—no manual math required.

• Custom target allocations for your portfolio
• Exact buy/sell trade recommendations
• Minimize drift and reduce emotional investing

Total Visibility: Follow every dollar.

See exactly where your money goes each month. Smart categorization, month-over-month comparisons, and budget tracking put you in control of your cash flow.

• Automated AI-powered categorization
• Month-over-month spending comparison
• Budget tracking against your financial plan

Meet Klara, your personalized AI Financial Assistant.

Klara isn't a wrapper around a generic chatbot. It's a custom-built AI model purpose-engineered for personal finance — deeply integrated with your accounts, transactions, investments, financial plan, and goals. Every response is grounded in your real data, not internet-scraped generalities.

Ask Klara to analyze your spending trends, stress-test a retirement scenario, identify savings opportunities, or explain why your health score changed — and get answers instantly.

• Custom model optimized for financial reasoning and analysis
• Deep, individual knowledge of your complete financial picture, grounded in your real data
• Proactive AI health insights delivered to your dashboard

Scenario Planner: See your financial future.

Don't just project your wealth — shape it. Create multiple "what-if" scenarios side-by-side to model the lifetime impact of retiring early, buying a home, or shifting your assets. Our Monte Carlo engine simulates thousands of market histories to compute real success rates for every path.

• Side-by-side scenario cards with success rates & median ending wealth
• Custom life events: Social Security, pre-Medicare healthcare, and custom cash flows
• Interactive glide paths: Define custom stock-to-bond allocation targets over time

Strategic Planning: A Blueprint for Wealth.

Build a concrete financial plan that adapts to your life. Map out your income, expenses, savings goals, and asset allocation targets — then let Klaris track your progress and alert you when things drift.

• Complete net worth tracking
• Custom asset allocation targets
• Automated drift detection and rebalancing