See a big decision from three sides.
Switching health insurance, buying a house, taking the other job: when you think it through with Claude, you hear one voice. Kirat lets Claude put the same question to ChatGPT and Gemini as well. Three model families take positions independently, bring up angles you had not considered and show where they disagree. The decision stays yours.
Not advice, and not private. Kirat does not replace an insurance advisor, a building surveyor or a tax advisor. Everything you tell it, health details included, goes to OpenAI and Google under your own API accounts. Leave out what you would not share with them.
Three recorded runs, one for each tool.
Real recordings of Kirat's tools, made on 14 October 2026 with the version you buy, on questions and tasks like yours. Pick a tool and watch the council work. This is a replay: nothing you click here calls a model, and nothing leaves this page. The chat is written for illustration and only restates the recorded result; what Claude sent to Kirat and what came back are shown unchanged under “Behind the scenes”.
Pick a tool
Let Kirat vote on this: Should I switch from statutory to private health insurance?
kirat_voteasked the council
The council has decided (majority 2:1): Stay in statutory insurance.
My own vote was the dissent: “Stay in statutory insurance and add private supplementary cover”. It stays on record with its reasoning, so you can weigh it yourself.
Behind the scenes
kirat_voteWhat Claude sends to Kirat
Question: Should I switch from statutory to private health insurance?
Context sent: I live in Germany, I am 34 and an employed software engineer with a gross salary of EUR 82,000 a year, so I am allowed to switch. Healthy today, but I had back problems two years ago that needed physiotherapy. Married; my partner has no income of their own right now and is co-insured for free in my statutory insurance. We plan two children within the next five years. A private offer costs about EUR 610 a month including long-term care, before the employer's share. Statutory insurance costs me about EUR 1,250 a month for health and long-term care, employee and employer shares combined. Returning to statutory insurance later is hard, and after age 55 almost impossible. What matters most to us is long-term cost and certainty for the family, less so faster appointments.
Options: Switch to private health insurance · Stay in statutory insurance · Stay in statutory insurance and add private supplementary cover
Result from the council
Recorded on 14 October 2026 with kirat_vote at the standard effort tier; the session cost under two cents. Question, options and context are shown exactly as sent, the reasoning in full. Gemini answered in German; its answer is translated here. Claude lost the vote 2:1, and its objection stayed on the record. Confidence values are each model's own self-report. The figures in the question are an example, not a tariff comparison.
We are thinking about buying a house built in 1974. Brainstorm with Kirat what we should look at besides the price.
kirat_brainstormasked the council
The council came up with 14 ideas and rated each one anonymously. The top three:
- Renovation roadmap as a second purchase price (19/20 points)
- Income cliff instead of dual-income idyll (17/20 points)
- PCP and pollutant audit, 1970s (17/20 points)
Behind the scenes
kirat_brainstormWhat Claude sends to Kirat
Topic: Angles to examine before buying a 1970s family house, so the decision does not rest on the asking price alone
Context sent: Couple in their late thirties with one child, living near Stuttgart in Germany and renting a 4-room flat for EUR 1,450 a month. The house: built 1974, 130 m², asking price EUR 590,000, oil heating from 2003, original windows, roof renovated in 2010. Equity EUR 140,000; the bank offers a 20-year fixed rate of about 3.8%. Both work; one job is a fixed-term contract until next year. HARD: total monthly housing cost must stay below EUR 2,300. HARD: we will not buy without an independent building survey.
Result from the council
- 1
Renovation roadmap as a second purchase price
The independent building surveyor should not only look for defects but draw up a priced 5-, 10- and 20-year roadmap. Particular things to check are the original windows, electrics, pipes, insulation, damp, pollutants, the oil tank and the exact scope of the 2010 roof work; if needed, a sewer inspection or tank test is added. The monthly reserve from this roadmap belongs entirely under the €2,300 limit.
- 2
Income cliff instead of dual-income idyll
The financing should also be calculated with only one stable income, a period of unemployment and a major repair in the same year. After the purchase costs and the equity contribution, a liquid emergency reserve must remain; the remaining debt after 20 years and follow-up financing at significantly higher interest rates must also be shown. The fixed-term contract is therefore not a side detail but possibly the central risk factor.
- 3
PCP and pollutant audit, 1970s
Houses built in 1974 often contain invisible legacy pollutants such as asbestos, formaldehyde or lindane in wood panelling. A targeted indoor-air and material analysis as part of the building survey prevents unplanned renovation costs in the five-figure range. This keeps the calculated monthly burden safely below the limit of 2,300 euros.
- 4
Calculate backwards from the monthly cap
Do not finance the purchase price; instead, derive all monthly owner costs from a maximum of €2,300: loan instalment, property tax, building insurance, energy, maintenance and a realistic maintenance reserve. A loan of just €450,000 at 3.8% interest and 2% initial repayment already costs about €2,175 a month; purchase costs probably increase the borrowing need further. From this, have a binding maximum purchase price calculated instead of a mere desired instalment.
- 5
The house's invisible file
Before any offer, the land register, the register of building encumbrances, the approved building plans, the floor-area calculation, the energy certificate, the chimney sweep's records and the invoices for the roof renovation belong on the table. It should also be clarified which energy obligations could apply after a change of ownership and whether extensions or conversions are legal. Missing documents are either a price discount or an exit signal, never mere paperwork.
- 6
The plot as a long-term liability
Besides the building, heavy-rain and flood maps, slope, groundwater, radon, contaminated land, noise, planned densification and insurability need to be examined. Before signing, concrete quotes for building insurance, natural-hazard insurance and oil-tank liability insurance should be obtained. These risks affect not only the running costs but also a later resale to the next cautious family.
- 7
Twelve months of shadow ownership
As a small mutation of the income stress test, ownership is first simulated financially: on top of the €1,450 rent, the gap to the realistically calculated owner costs is set aside every month, plus one or two simulated extra bills. If this stays affordable below €2,300 over time without drawing on existing equity, the reserve grows at the same time; if the attempt fails, that is cheaper than a real bad purchase.
- 8
Postpone the purchase decision and buy the option
This idea deliberately breaks the soft assumption that exactly this house should be bought soon. Continuing to rent, keeping part of the equity liquid or investing it broadly diversified, and waiting until the fixed-term employment contract is settled can be economically more valuable than a home purchase that is financed too tightly. If the house is still a candidate later, the rule still strictly applies: no purchase without an independent survey and never with more than €2,300 in total housing costs per month.
- 9
Floor-plan mutation into a separate flat
Mutation of pure owner occupation: the 130 m² floor plan from 1974 is adapted so that one area can be separated off as a micro-apartment. The resulting rental income significantly reduces the effective monthly net burden and cushions the risk of the fixed-term contract.
- 10
Energy renovation roadmap (iSFP)
The oil heating from 2003 and the original windows create a high heating-cost risk. A certified energy advisor simulates step-by-step renovation scenarios including subsidies to determine the real costs including heating. This ensures that the loan instalment and running costs together stay within the budget over time.
- 11
Heating plan before the offer
Get a quote for a heat pump and the insulation it needs before making an offer, and count it as part of the price, because the oil heating will need replacing within a few years.
- 12
Income stress test for the fixed-term contract
Since one employment contract ends next year, the financing is simulated for a single-salary scenario. Flexible repayment options are negotiated and part of the equity is held back as a safety buffer. This secures the monthly ceiling even if income drops out temporarily.
- 13
Rent-to-buy option instead of a direct purchase
A deliberate break with the assumption of an immediate transfer of ownership: the family agrees a two-year rental phase with a fixed purchase option. This pays off because the fixed-term employment contract runs out before the final loan is taken out, which creates a better credit rating for the mortgage.
- 14
Aggressive renovation-discount offer
A deliberate break with the expectation of negotiating close to the asking price of 590,000 euros: because of the glaring renovation backlog, a purchase offer of 480,000 euros is submitted. This pays off because the price discount immediately lowers the monthly loan instalment and creates massive financial room for renovating the windows and heating.
Kirat's note to Claude: Best rule_breaker idea only at rank 8: "Postpone the purchase decision and buy the option" — it deliberately breaks a soft constraint. Steelman it once before discarding it.
All ideas, complete and in ranked order. Claude's own idea takes part anonymously and on equal terms. Topic and context were sent in English; the members wrote most ideas in German, and those are translated here.
Let Kirat write variants of the opening of our email to the estate agent: we want to offer EUR 545,000 instead of 590,000.
kirat_createasked the council
The winning variant (19/20 points) opens with your interest in the house and bases the offer of EUR 545,000 on the survey findings. The full text is under “Behind the scenes”.
My own draft came in at #3; the members rated all three anonymously.
Behind the scenes
kirat_createWhat Claude sends to Kirat
Brief: Opening of an email to the seller's estate agent: we offer EUR 545,000 instead of the asking price of EUR 590,000 for a 1974 family house, based on the independent building survey (oil heating needs replacing, original windows, moisture in the basement). Audience: the estate agent in Germany who passes it on to the seller. Goal: a lower price without souring the relationship. Format: two to three sentences, in English.
Criteria: max. 60 words · names the offer and the survey findings · friendly and firm, no apologising · no ultimatums
Result from the council
- 1
"Thank you for guiding us through the property; we remain genuinely interested in making it our family home. Taking into account the independent building survey—particularly the oil heating requiring replacement, the original windows, and moisture in the basement—we would like to offer EUR 545,000 and hope the seller will give it careful consideration."
The opening leads with sincere interest, then anchors the firm offer in specific independent findings without sounding adversarial or apologetic.
- 2
"Following our independent building survey, we are pleased to submit a firm offer of €545,000 for the property. While we love the house, the technical report requires us to budget for essential updates—specifically replacing the original oil heating, upgrading the windows, and addressing basement moisture. We believe this realistic figure accounts for these necessary investments."
The text anchors the reduced price factually in the building survey, preserves the good relationship with the seller through appreciation and avoids defensive stock phrases.
- 3
"Thank you for the viewings. Our independent building survey found that the oil heating needs replacing, the windows are original and the basement has moisture damage. Based on this, we would like to offer EUR 545,000 for the house."
The orchestrator's own draft.
The variants are shown as written, in English, as the brief asked, including a factual slip in the second one: the heating is from 2003, not original. The reasoning in Claude's entry is Kirat's own label for it. Reasoning written in German is translated here.
One assistant gives you one line of reasoning.
Ask one AI and you get one well-written answer. It sounds sure either way.
Ask again, and the answer tends to follow how you phrased the question.
The angle that would have changed your mind is often the one nobody brought up.
Even your own assistant can be outvoted.
Claude takes part with its own position, as one of three members. ChatGPT and Gemini take positions independently, and every position comes with its reasoning. Where all three agree, that is a stronger hint, not proof. Where they split, you know what to take to an advisor. Brainstorm lists the angles to check, ranked, and Kirat flags it when the most unusual idea ranks low.
Let Kirat vote on this: Should I switch from statutory to private health insurance?
kirat_voteasked the council
The council has decided (majority 2:1, round 1, $0.019): Stay in statutory insurance. Confidence: ChatGPT 96, Gemini 95, mine 70.
My own vote, statutory insurance plus private supplementary cover, lost. Both ChatGPT and Gemini point to the free family insurance for your partner and the two planned children.
And the house from 1974: brainstorm with Kirat what we should check besides the price.
kirat_brainstormasked the council
14 ideas, rated anonymously. Top-rated (19/20 points): a renovation roadmap as a second purchase price, priced by the surveyor over 5, 10 and 20 years.
Kirat asks me to steelman one idea before discarding it: postpone the purchase and keep renting until the fixed-term contract is settled.
FIG. 1 — The vote and the brainstorm recorded above, continued as one chat. The chat is phrased for illustration; the figures and quotes are from the recorded results. Not advice: the models only knew what was in the question.
One purchase for Claude Desktop and Claude Code.
No subscription, no seats, no account with us. Check where Kirat runs before you buy:
Where Kirat runs
Works in
- Claude Desktop chats on macOS and Windows
- Claude Code in a terminal, in VS Code or in Claude Desktop's Code tab
- Claude Code cloud sessions, after a one-time setup per cloud environment With limits: everyone who uses the environment can read your keys, and the daily budget counts per session.
Does not work in
- Chat in the browser (claude.ai) or in the Claude mobile apps
- Cowork tasks that run in the cloud
- Some company setups: networks that require an HTTP proxy, and organizations that restrict Desktop extensions to an allowlist Ask your IT team first.
- 01Claude Desktop extension and Claude Code plugin, in one download
- 02Setup script for Claude Code cloud sessions
- 03All nine tools: vote, code review, idea ranking, copy critique, image comparison and more
- 04Cost control: a daily budget ($5 by default) that holds back calls which could exceed it. Best effort, so also set limits at the providers
- 05License for one person, on your own devices and cloud environments
- 06Compatibility updates when possible — free, but no guarantee
Runs in Claude Desktop (macOS/Windows) and Claude Code; Claude Code cloud sessions with a one-time setup — not the browser or mobile chat. Where it runs · Cloud limits
Get KiratOne-time purchase · Payment via Lemon Squeezy (merchant of record), VAT handled at checkout · Refunds: see Terms
API usage is paid to OpenAI and Google directly, under your accounts — $0.02–$0.15 per council decision in our measurements.
Kirat is not for you if…
- —you use Claude only as a chat in the browser or on your phone. Kirat runs in Claude Desktop (macOS/Windows) and Claude Code, and in Claude Code cloud sessions with a one-time setup — not in those chats.
- —you need a hosted service, phone support or guaranteed response times.
- —you don't want API accounts and billing at two providers.
- —you make a handful of decisions a month and are happy to compare answers in separate chats by hand.
- —you want an answer that sounds certain. A council's job is to show you the split, and sometimes the split is the answer.
- —your data may not go to OpenAI or Google. Everything you give Kirat goes to both, under your accounts and their terms.
Before you buy.
Is this financial, insurance or legal advice?
No. Kirat collects positions from three AI models. It has no licence, carries no liability and looks up no live data on tariffs, interest rates or prices; the models reason from what you send them and from what they learned in training, which may be out of date.
Use it to find the questions worth asking. Then check the answers with someone who is accountable for them: an independent insurance advisor, a building surveyor, a tax advisor or a lawyer.
Who sees what I tell it?
Not us: Kirat has no server and no account with us, so we never see your questions. What you give it goes directly to OpenAI and Google, under your own API accounts and their terms, and Claude sees it as part of your chat. The last 20 results, with your questions and answers, stay in the .kirat folder in your home folder until you delete them.
For health, money or family matters, leave out names and anything you would not share with those providers.
Do I need to be technical?
No, but you need Claude Desktop on macOS or Windows, and an API key each from OpenAI and Google with billing enabled. After setup, you ask in the Claude chat as usual, for example: Let Kirat vote on this: should we buy the house?
Kirat does not work in Claude in the browser or in the phone apps.
What does a question cost?
Kirat itself is a one-time purchase. Each run is billed by OpenAI and Google to your own accounts: the three recorded runs on this page cost between $0.02 and $0.12 each. A daily budget ($5 by default) holds back calls that could exceed it; it is best-effort, so also set limits at the providers.
The details, for the record.
Everything else, in full: what Kirat does not do and further questions. Open what you need.
What this does not do
- —It does not make the decision right. Different model families fail differently, but they can still be confidently wrong together. A 3:0 vote is agreement, not proof, and the confidence values are the models' own self-report.
- —It is not advice. No licence, no liability, and no knowledge of your situation beyond what you send. For insurance, property, tax or legal questions, an accountable professional has the last word.
- —It has no live data. The models do not look up current tariffs, interest rates, prices or laws. Put the figures you have into the question, as in the recorded runs.
- —It is not private. Kirat has no server, and we never see your keys or your data. But everything you give it goes directly to OpenAI and Google, under your accounts and their terms. Leave out names, health details and anything else you would not share with them.
- —It does not run everywhere you use Claude. Only where Claude runs tools on a machine that has Kirat installed: Claude Desktop chats on macOS and Windows, Claude Code in a terminal or VS Code, local sessions in Claude Desktop's Code tab, SSH sessions — and Claude Code cloud sessions (Code tab cloud sessions, Claude Code on the web or in the mobile app) after a one-time setup of your cloud environment. The cloud is limited: everyone who uses the environment can read its environment variables, including your keys; Kirat's daily budget counts per session, so set spending limits at OpenAI and Google; background jobs and recent results end with the session; and the environment must allow two hosts,
api.openai.comand the Kirat download host. If the setup fails, the session still starts, just without Kirat, and the failed state can stay cached for new sessions until you edit the setup script. Not chat in the browser or the mobile apps, and not Cowork tasks that run in the cloud. WSL sessions and local Cowork tasks are not tested. Networks on your own computer that require an HTTP proxy are not supported. Organizations that restrict Desktop extensions to an allowlist block manual installs; ask your admin. Where it runs, in full.
More questions
Where do the API keys live?
You enter them in Claude's own install or settings dialog. Claude Desktop stores them in the operating system's secure storage (macOS Keychain, Windows Credential Manager). Claude Code stores them in the macOS Keychain, and on Windows and Linux in ~/.claude/.credentials.json, readable only by your user. In Claude Code cloud sessions, they are environment variables of your cloud environment, readable by everyone who uses it.
We recommend a separate provider project with a spending limit. Kirat's budget guard also blocks calls that could exceed a daily budget ($5 per UTC day by default, adjustable), but it is best-effort — set limits at the providers too.
What if the council is wrong?
Then you have three wrong opinions and a record of them. That is better than one wrong opinion and no record, but it is not a safety net.
Read the dissent first. It is the part a single model reviewing its own answer tends to smooth away. The evidence section on the main page shows a real 2:1 run, dissent included.