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

Continuum, a new financial simulation tool from a former Google Senior Software Engineer, lets users model life events such as startup equity and home purchases without paying a 1% AUM fee, using a deterministic code engine for calculations and AI only for onboarding and visualization. The free version requires no account, and a 14-day Pro trial is available, with the project seeking design partners at a 50% first-year discount.

read2 min views1 publishedAug 17, 2026
Continuum lets you simulate life events without paying a 1% AUM
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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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