Getting started

Creating an account, signing in, and moving around the site.

AI assistant connections (agent integrations)

Outside the website — in AI assistants like ChatGPT, Claude or Cursor

You can connect Kayline LeM to an AI assistant so it can work with your account. After you connect and approve the sign-in screen, the assistant can run a projection (starting amount, monthly contribution, years, mix, optional crash and recovery), list the historical crashes the app models, and read the portfolios you have saved. It only ever sees your own data, and only after you approve the connection.

New K³ design

Across the website

Kayline LeM uses a warm cream, charcoal and coral design with the complete K³ logo. Page text stays visible while brief entrance motion adds polish. Coral highlights important actions and selected controls, while green and red remain reserved for positive and negative financial movement.

Create an account / log in

Landing page, top right — “Log In / sign up”

Everything is saved to your own account, so you start at the login screen every time. Sign up with an email and password, then confirm and log in. Your portfolios, scenarios and settings are private to your account and are never shared with other accounts.

Log out

Top bar, next to your email address

Your email is shown in the top bar once you are signed in. “Log out” signs you out and returns you to the landing page.

Main navigation

Top bar on every page

The top bar links to the Simulator, Discover, Portfolios, Goals, Compare, Backtest, Tax Center, Account and this Help page. On a phone the bar scrolls sideways — swipe it to see the rest of the tabs.

Reset

Simulator top bar

Clears the current simulation inputs and takes you back to the first step of the wizard. It does not delete saved portfolios.

Free access

Everything is free and unlimited — there is nothing to buy.

Everything is free

Everywhere

Every tool — the simulator, portfolios, goals, comparisons, backtests, the tax calculators and the AI analysis — is free for any signed-in account, with unlimited runs. There are no credits, no limits, no subscription and no card details. The old simulation credit system has been removed.

Account & data settings

Top bar → Account

The Account page lists what we store about you, lets you reopen your cookie choices, and has a “Delete my account and data” button that permanently removes your account, portfolios, simulations, analyses and messages. Type DELETE to confirm — it cannot be undone.

Cookie choices

Banner at the bottom on your first visit, or Account → cookie preferences

On your first visit you can Accept All, Reject Non-Essential, or open Preferences to choose each category. Only essential storage (needed to sign in) is ever on by default, and you can change your mind at any time.

Legal pages

Footer at the bottom of the page

The footer links to the Privacy Policy, Terms of Service, Refund Policy and Cookie Policy, plus our business and contact details. Kayline LeM is an educational simulation tool, not financial advice.

The Simulator

The five-step wizard that builds your projection and crash test.

Step 1 — Your money

Simulator, step 1

Enter your starting amount, how much you add each month, and how many years you want to project. Everything compounds monthly. All boxes start at zero so nothing is assumed for you.

Step 2 — Your mix

Simulator, step 2

Split your money across the asset types: US stocks, international stocks, bonds, cash, real estate/REITs, commodities and crypto. Each one has its own expected return and its own sensitivity to a crash. Templates such as Classic 60/40, Three-Fund, All-Weather and 100% S&P 500 fill the mix in for you.

Step 3 — Global stocks

Simulator, step 3

Search real tickers and add specific holdings with a quantity and a purchase price, so your cost basis is used in the projection rather than a guess. Prices come from live market data with historical fallbacks when the feed is busy.

Step 4 — Crash builder

Simulator, step 4

Add one or more market crashes: choose the year it starts, how deep the drop is, how long it lasts and how long recovery takes. Crashes can overlap. You can also model behaviour — panic selling during the fall, or buying the dip — which is usually the biggest difference between two otherwise identical plans.

Run Simulation

Simulator, step 5

Results stay hidden until you press “Run Simulation”. Runs are free and unlimited. Going back to an earlier step hides the results again until you run it once more.

Results chart

Simulator results

Your balance over time. Rising stretches are drawn green and falling stretches red, so crashes and recoveries are obvious at a glance.

How it got there (step-by-step math)

Below the results chart

A plain-English, line-by-line breakdown of the calculation: contributions in, growth earned, the crash damage, the recovery, and the final figure — plus the yearly growth rate (CAGR) in real terms.

AI Crash Analysis & Action Plan

Below “How it got there”, on the Simulator and Portfolio tabs

Press “Analyze Portfolio” and you get your main vulnerability, a recovery estimate and three concrete action steps written for your specific numbers. Analyses are saved to your account, and “Export PDF Report” downloads a copy.

Advanced controls

Simulator → Advanced

Optional extras: rebalancing frequency, dividends, inflation, account and tax settings, contribution phases, life events, cash-flow changes, and a 1,000-path Monte Carlo run that shows the range of outcomes instead of a single line.

Tools and pages

Everything outside the main wizard.

Discover

Top bar → Discover

Search real companies, funds and crypto by name or ticker. Each result shows recent pricing and long-run growth so you can decide whether to add it to a portfolio.

Portfolios

Top bar → Portfolios

Build a custom portfolio holding by holding, save it to your account under a name, and load it back into the simulator later. Saved portfolios are private to your account.

Goals

Top bar → Goals

Work backwards from a target. Enter the amount you want and the date you want it by, and the tool solves for the monthly contribution or the return you would need — adjusted for inflation. It also includes a short risk questionnaire that scores your tolerance and suggests a mix.

Compare

Top bar → Compare

Run up to three strategies side by side with the same crash assumptions, so you can see exactly what one change is worth over the full timeline.

Backtest

Top bar → Backtest

Test a plan against real market history from 1928 to 2024, using actual stock returns, bond returns and inflation. Presets include 2007, the 1970s stagflation years, 1929, 2000, 1982 and the last 20 years. You get nominal and inflation-adjusted values, the yearly growth rate and the worst drawdown.

Tax Center

Top bar → Tax Center

Twenty tax calculators grouped into sections — income, investment, capital gains, retirement accounts, and planning. Each one shows its inputs and result with no assumptions baked in.

Mailbox

Floating envelope icon, bottom-right of the screen (signed in)

The site owner posts news, updates, and up to four photos in each message here, and every account gets its own copy. The owner can select Add photos while writing and remove any preview before publishing. Select a published photo to view it full size. A tiny red dot on the icon means there is something you have not read yet — opening the mailbox marks those posts as read and the dot goes away. Your read status is private to your account and follows you across devices.

The Team / Enterprise / Future

Landing page navigation

Public pages about who builds Kayline LeM (founded and led by Kaiden LeMoine), what we offer larger organisations, and what is coming next.

Data, accuracy and privacy

Where numbers come from and who can see your work.

Where market data comes from

Everywhere prices appear

Live prices and history are pulled from public market data. When the feed is busy the app falls back to measured historical figures rather than failing, so a simulation always completes.

Your data is yours

Account-wide

Portfolios, saved scenarios and analyses are tied to your account only. Signing out clears the locally stored copies from the device.

This is not financial advice

Everywhere

Every number here is a projection based on the assumptions you enter. Real markets differ. Use it to understand trade-offs, not as a recommendation to buy or sell anything.