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EvenKeel – a free financial planning chatbot

EvenKeel – a free financial planning chatbot

by daave·Jul 9, 2026·4 points·0 comments

AI Analysis

MidShip It

AI financial advisor when Mint, YNAB, and robo-advisors already exist.

Strengths
  • Monte-Carlo simulations add real math beyond LLM hallucination.
  • Financial Picture feature persists context across conversation sessions.
  • Honest about operating costs and offers anonymous usage option.
Weaknesses
  • AI financial planning is a crowded category with established alternatives.
  • Educational disclaimer limits utility for actual financial decisions.
Category
Target Audience

Individuals seeking DIY financial planning guidance

Similar To

Mint · YNAB · Betterment

Post Description

EvenKeel is an LLM-powered chatbot that helps with budgeting, financial planning, retirement savings, tax optimization, etc.

It is a harness around Gemini 3 Flash Preview that provides a library of skills for things like: evaluating a house purchase, insurance planning, portfolio asset allocation, etc. as well as tools for doing financial math and Monte-Carlo simulations.

You can upload files as well as chat, and as you go, it updates a "Financial Picture" with relevant facts about your situation, so you can see what data has been collected, track goals, etc. this picture along with recent chat interactions is fed into the model each turn so the most important details are always in context.

Your data can be exported or account deleted from the Settings page at any time, or you can interact anonymously until LLM spending gets too hot.

Hope you find it helpful!

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