From "what do I actually do this month?" to money in the checking account — the whole loop, with your hands on every decision that matters.
A guided setup asks only what your first monthly withdrawal needs: what you spend each month and when you need the cash, the income that already shows up (Social Security, pension, dividends), your accounts and holdings, and the order you'd prefer things sold in.
It ends with a dry run on clearly dated prices, and nothing goes live until you say so — the plan stays a draft until you activate it.
Sold something? Received shares? Added cash? You note it whenever it happens — manual entry, a minute at most. Kin never connects to your broker, so the record is exactly what you've told it, and nothing more.
That honest, hand-kept picture is what every monthly withdrawal is computed from.
Three market days before your cash date, your strategy settles this month's spending level (a rough market can pause an increase; a strong one can allow it), offsets the income you already expect, and turns the rest into one specific move.
The email tells you it's ready — never the amounts. Those wait for you inside Kin.
Under the numbers sits the full reasoning: the spending need, the income counted first, what your guardrails allowed, the cash reserve kept back, and why these holdings from this account, in this order.
You never act on "trust me." You act on arithmetic you can check.
Prefer to sell from a different account? Fewer shares of one thing, more of another? Adjust it and Kin instantly reruns the arithmetic — revised proceeds, reserve effect, anything still uncovered.
Then you place the order at your own broker. Kin has no password, no trade authority, no way to do it for you — on purpose.
After the trade, you tell Kin what actually happened — full fill, partial, or a different choice entirely. The portfolio updates from reality, never from assumptions, and next month starts from the reconciled truth.
Past withdrawals stay frozen exactly as computed: what your plan called for, what you changed, and what you did are three separate, honest records.
It's the strategy that decides each month's spending level: a corridor around your starting withdrawal rate. Inside it, life proceeds as planned. Drift too far after a rough stretch and the plan trims or pauses an increase — too far the other way and it can permit one. Your strategy adjusts at most once per cycle — always shown, always explained. Information, not trades: Kin never holds your money, never sees a brokerage password, and never places an order.
The product at a glance →Set the plan once, keep the record honest, and let each month arrive as one clear move — with every number ready to explain itself.