Why kernsysteme?
Manage all your financial goals—debt, emergency funds, retirement, savings—in one integrated platform with intelligent prioritization and automated execution.
Multi-Goal Management
Track retirement, savings, debt, and emergency funds simultaneously
Deterministic Optimization
Automated prioritization based on APR, funding ratios, and time horizons
End-to-End Automation
From strategy creation to execution to periodic rebalancing
Platform Capabilities
Everything you need for comprehensive financial planning
Goal Management
Track retirement, savings, debt, and emergency funds
Forecasting
Monte Carlo simulations with success probability analysis
Optimization
Automated prioritization with transparent rationale
Investment Strategy
Risk assessment, portfolio optimization, and fund selection
Execution
Tax-aware trading with automated rebalancing
AI Assistant
Context-aware guidance for investors and advisors
Key Differentiators
What sets us apart from the competition
True Multi-Goal Optimization
Unified optimization across debt, emergency funds, and investments
Competitors focus on single goals or separate tools
End-to-End Automation
Automated strategy creation, execution, and periodic rebalancing
Manual processes or limited automation
AI Assistant + Deterministic Optimization
AI guidance for users and advisors, transparent optimization algorithms
Generic advice or black-box optimization
Professional Reporting
AI-generated PDF reports with personalized insights
Basic reporting or separate systems
Ready to Transform Your Financial Planning?
See how kernsysteme can help you achieve all your financial goals