Keystone
What if your AI actually knew your finances?
Keystone turns your real financial data into a portable context graph that makes any LLM a personalized financial advisor — without giving it access to your accounts.
You own your data. Take it where you need it.
You're already asking AI about money. But it's guessing.
It doesn't know your numbers.
You ask ChatGPT what kind of house you can afford. It gives you a rule of thumb. You want an answer based on your actual income, savings, debts, and timeline — but you'd have to give them the right numbers every time.
Your chat gets confused.
Context windows are limited. It can mix up details from different conversations and there are no systematic rules to prevent hallucinations or adhere to a common financial philosophy.
Smart AI shouldn't mean risky AI.
You've thought about giving AI agents access to your accounts. You've also thought about what happens when something goes wrong. You want the intelligence without the exposure.
Three steps to a smarter AI advisor.
Enter your data.
Use the card-based interface to input your financial picture — income, expenses, assets, debts, goals, retirement. Start with the basics and add detail over time. A data health score shows what's complete.
Generate your Keystone.
One click compiles your data into a structured, validated context file optimized for LLM ingestion. It includes your financial snapshot, forward-looking projections, and a reasoning guide for the AI. You download it. You own it.
Upload to any AI.
Drop your Keystone into Claude, ChatGPT, or any AI tool that accepts file uploads. Instantly, your AI knows your goals and financial picture — and gives advice grounded in your actual life.
Same question. Completely different answer.
"I want to buy a home for my family in New York City, but I’m not sure what we can afford. What kind of house can we afford in 2028? We need a 3 bedroom for our 2 kids."
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Example uses fictional data for illustration purposes.
What's inside your Keystone.
Financial Snapshot
Your complete financial picture in one structured file — income, expenses, assets, holdings, debts, goals, retirement, and insurance.
Planning Timeline
Year-by-year forward projections based on your goals, contribution plans, and return assumptions. Your AI gets a roadmap, not just a snapshot.
Data Health Score
A 0–100 score showing how complete and consistent your data is before you generate. Know exactly what's missing.
Reasoning Constitution
A built-in guide that tells the AI how to interpret your data, what assumptions to make, and how to match your household's values and risk tolerance.
Scenario Planning
Model what-if scenarios — job changes, new expenses, different savings rates — and compare Keystones side by side.
Portable & Private
Your Keystone is a file you download. It works with Claude, ChatGPT, and any LLM. Your data never touches a platform you don't choose.
Your data stays yours. Here's exactly how.
You hold the file.
Your Keystone downloads to your computer. It's not stored on our servers or synced to a cloud. When you upload it to an AI, that's your decision.
No account access.
Your Keystone contains structured data about your finances — not connections to your accounts. Identifiers are abstract labels, not real account numbers.
Read-only context.
The AI can read your Keystone. It can't write to it, update it, or push changes back. Your data only changes when you change it.
You control the scope.
Start with just income and expenses. Add more when you're ready. The data health score tracks your progress, but nothing is mandatory.
Start free. Upgrade when you're ready.
Free
$0
per month
Basic Ownership
$20
one-time
Premium Ownership
$100
one-time
Pricing may change before launch. Create an account to lock in early access.
Questions
A Keystone is a structured, validated JSON file that contains your complete financial context — snapshot, timeline projections, and a reasoning constitution. It's designed to be uploaded to any LLM so the AI can give you personalized financial guidance based on your real numbers, not generic rules of thumb.
Keystone works with any AI tool that accepts file uploads — Claude, ChatGPT, Gemini, and others. The file is a standard format that any LLM can read and reason over. No special integration or plugin is needed.
No. Keystone never connects to your bank accounts, brokerage, or any financial institution. You enter your financial data manually through a guided interface. This means zero exposure risk — the AI gets the context it needs without ever touching your accounts.
Your data is stored in your Keystone account while you're building it. When you generate a Keystone, it downloads as a file to your computer. The self-hosted tier runs entirely locally with a SQLite database — your data never leaves your machine.
You can get a useful Keystone in about 15 minutes by entering your core financial data — income, major expenses, accounts, and debts. The data health score shows what's complete and what you can add over time. You don't have to fill in everything at once.
No. Keystone is a data tool, not a financial advisor. It structures your financial context so that AI can give you better, more personalized responses. The AI does the reasoning — Keystone gives it the right inputs. Always consult a licensed financial advisor for major decisions.
Yes. On the Pro plan, you get multi-user household access. Both you and your partner can contribute to the same financial picture and generate Keystones that reflect your shared finances, goals, and values.