The work, delivered
Money answers with nothing to sell you.
An AI financial planner is only worth trusting if it has no product to pitch. Kaldune is an AI-native studio that builds honest financial plans and private calculators on your real numbers: debt payoff, retirement checks, college funds, inheritances, the quit-the-job math. No products pitched, no email demanded, every figure traceable, and every finished build public in the case library.
Why honesty is the whole product
Almost everything you can read about money online is selling something: the calculator wants your email, the plan ends in a product, the advice has an angle. These cases were built for people who noticed. Money, Straight was briefed by a client with money in savings, a fear of investing, and the observation that everyone selling advice has an angle. The room built the Field Guide: the real options and their honest costs, risk in dollars, and every sales trick named out loud, with a private calculator beside it that races the approaches over twenty years. Nothing entered ever leaves the screen.
The same register holds everywhere on this shelf. His Work, Kept is an inheritance plan for a bus driver's $184,000: what a person like her does, in what order, and why, trade-offs shown and no products pitched, the IRS rules read at the source the day the page was written. This is what plain honesty looks like as a deliverable, and it is the reason this page exists.
A debt payoff plan with the exact kill order
The Way Out was built for about $60,000 across cards, a car, and a student loan, with minimums going nowhere. It is a plan to read once and slowly: why the cards are the fire, the exact kill order, where the internet's generic advice quietly costs $2,103, and how a bad month bends the plan instead of breaking it. The payoff tool runs privately in the browser: balances in, the kill order and the freedom date out.
A retirement check that does not want your email
Where You Actually Stand answers the 2 a.m. question, behind or fine, for a 42-year-old with some savings, some retirement, and a mortgage. The retirement tool opens in the browser with sliders for the two or three dials that actually move the picture; nothing typed leaves the page, checked at the wiring level, and the Excel model underneath lays every formula bare. The same private-by-construction rule runs through the whole shelf, from Start This Month, which runs your monthly amount through the S&P 500's real year-by-year history, to Can I Buy a House Next Year?, which puts the bank's ceiling and the sleep-at-night number side by side.
See a money question answered
The money shelf of the case library. Each plan ships with its working math, and most with a private calculator:
- The Way Out, debt freedom planAbout $60,000 across cards, a car, and a student loan: the exact kill order, and how a bad month bends the plan instead of breaking it.
- Where You Actually StandForty-two, some savings, a mortgage, and a lot of vague anxiety: behind or fine, answered with the formulas laid bare.
- Money, StraightInvesting explained with no product to sell: the honest costs, risk in dollars, and every sales trick named out loud.
- The First $65026 years old, a $650 monthly surplus for the first time: twelve pages built for the exact numbers.
- The Twins' College FundTen years to two tuitions: the honest architecture of 529s, with a two-crash page written for 2 a.m.
- His Work, KeptA bus driver's thirty years left $184,000: what to do, in what order, and why, with no products pitched.
- A Portfolio Built to Survive Its OwnerA real investment thesis, with a simulator that redraws the fan of outcomes and a page titled "When to ignore this document."
- Where It GoesWhere a couple's money goes without logging every coffee: the shape of the spending, the leaks, a realistic plan.
- Can I Buy a House Next Year?The real house math with nobody selling anything: what a bank will approve versus what you can actually carry.
- The 18-Month Runway DecisionQuit the $9,500 job with $240K saved? The runway modeled month by month, with the walk-back plan.
- Start This MonthWhat steady adding and compounding actually does, run against the S&P 500's real history, live in the browser.
- Can I Quit? The runway decision toolA real financial model that opens right in the browser: runway, the number the business must hit, the point where the math works.
- Where You Stand, the retirement toolThe sliders that answer behind-or-fine, with nothing typed leaving the page.
- Money, Straight, the calculatorThe approaches raced over twenty years, side by side in the browser. Nothing entered ever leaves the screen.
Questions, answered straight
How do I make a financial plan?
Start from your real numbers and one plain question: can I quit, am I behind, what order do I pay these off, what do I do with this inheritance. A useful plan answers that question specifically, shows its math, and assumes you stay the person you are. That is how Kaldune's money cases are built: The First $650 is twelve pages built for a 26-year-old's exact surplus; The Way Out is a debt plan with the exact kill order; His Work, Kept is an inheritance plan with the trade-offs shown and the IRS rules read at the source. Each one was built from the client's own situation, while they watched.
Is there a financial plan template?
No, because a template is the problem these cases exist to solve. A template asks you to become someone else's example. Every plan in the library was built on one household's actual numbers: Where You Actually Stand answers behind-or-fine for one 42-year-old, and The Twins' College Fund carries the girls' initials on the cover and models the two tuitions their father is actually facing. Write your own situation in plain English and the room builds the plan for it.
Is this financial advice?
No. Kaldune does not manage money, sell financial products, or replace a licensed adviser. What the room builds is the document and the working math: the plan that explains itself, and the private calculator that runs your numbers in your own browser without sending them anywhere. The cases say this plainly on their own pages; Buying a Small Business, for example, is honest that it informs the decision and is not financial advice.
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