Continuum lets you simulate life events without paying a 1% AUM

Paying a human financial advisor thousands of dollars or handing over 1% of your assets in management fees is a massive drain on a portfolio, especially when you're sitting on $1M to $15M. I've been looking into Continuum, a tool designed for the "DIY multimillionaire" crowd to run their own simulations on things like new job offers, buying property, or major life shifts without the middleman.

The technical approach here is actually pretty smart. Instead of letting an LLM guess the numbers—which is a recipe for disaster in finance—the simulation math is handled by a dedicated code engine to ensure everything is deterministic. The AI is used for the onboarding (voice-based) and the mural creation, but it stays away from the actual calculations. This avoids the classic "AI math" hallucinations that make most financial bots untrustworthy.

How the simulation workflow functions

If you're trying to map out a complex financial future, the app basically lets you build these "murals" of different scenarios. Here is the general logic of how the tool handles these projections:

1. Onboarding: Uses AI voice to gather your current financial state and goals.
2. Scenario Setup: You define a life event (e.g., "What happens if I take this startup offer with $X in equity?").
3. Math Engine Execution: The system runs the numbers through hard-coded financial logic, not a prompt.
4. Visualization: The results are rendered into a mural that shows the long-term impact on your net worth.

One of the more interesting parts of the tool is how it handles founder equity. Most calculators just give you a best-case scenario, but this one models paper value, expected value, and the very realistic median exit—which is zero. It's a sobering but necessary reality check for anyone in the startup world.

The developer is a former Google Senior SWE, and it shows in the focus on determinism. The biggest hurdle they've mentioned is tuning the mural generation to stop hallucinating visual elements, which is a common pain point when trying to bridge the gap between structured data and AI-generated layouts.

For anyone wanting to try it, there's a free version that doesn't even require an account, and a 14-day Pro trial for the deeper features. If you're looking for a more practical tutorial on how to model your own exits or house purchases without a pricey consultant, this is a solid alternative.

The project is currently looking for design partners to help refine the roadmap, offering a 50% discount for the first year and VIP support for those who jump in early.

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