Built for your 30s
Know your net worth.Build the habits.
Eight minutes to a target net worth for the age you pick, six milestones in order, and a weekly practice that takes less time than making coffee.
Free to start. One email when we open 1 July 2026. Nothing in between.
Why now
The intelligence is the gap.
The conversation you had over dinner about money. The spreadsheet you set up in January and stopped opening in March. The Amazon subscriptions you didn’t know you were paying for in three countries. None of those mean you’re failing. They mean you don’t have a workflow.
You have the apps. You have the income. You have the broad shape of what you should be doing. What you don’t have is one place that puts the pieces together and tells you whether you’re on track. Intelligence is the missing piece.
Dekade is the workflow you’re missing.
How it works
Three steps, eight quiet minutes.
Tell us your situation.
Age, country, income band, the rough shape of what you have and what you owe. Banded inputs throughout. No bank linking. No exact figures required to start. You can refine later.
See your net worth.
A target net worth for the milestone age you pick. Calculated from your inputs and your country’s pension and tax-wrapper rules. Shown with a ±13% band and a full “how was this calculated” panel.
Walk the milestones.
Six sequenced milestones, from emergency fund to property equity. The map shows what’s done, what’s active, and what’s already been banked toward the next ones. A two-minute weekly check is the practice.
Educational, not regulated advice. The disclaimer line under every result page says so plainly.
One week in
What three weeks looks like.
Ciara, 34, Dublin. Senior project manager. Salary up. Pension from job one, untouched since. €8,000 in savings. An apartment two years old. Net worth: never properly calculated.
Sunday evening, the weekly check on what hasn’t been done. She opens Dekade. Eight-minute wizard. Output: target net worth for 35 (one year away), five milestones, the first nearly closed.
Monday morning, one card on the screen: “Your pension is likely your biggest untapped asset. Do you know your contribution rate?” She didn’t. Two minutes later, she did.
Three weeks in: 19-week streak. Two snapshot updates. Emergency fund milestone closed. Cohort post shared. Most people her age are working on the same milestone she is.
She isn’t rich. The number didn’t change overnight. But the line on the chart is going the right way, and she knows why. That’s the difference.
The milestone map
Six milestones, in order.
The same six steps for everyone. The targets are sized to your situation. The order is settled.
Emergency fund baseline.
Three months of essentials in a separate, liquid savings account. The foundation everything else compounds on.
High-interest debt cleared.
Credit cards, overdrafts, buy-now-pay-later, anything above 8% APR. The maths here is the most one-sided in personal finance.
Pension contribution rate.
Combined employee plus employer contributions at the country adequacy benchmark (Ireland 20%, UK 12% rising to 15%). The cheapest decade to fund retirement is the one you’re in.
Investing wrapper active.
A tax-advantaged account opened, funded once, with a monthly standing order running for three months. Time in the market beats fund choice at this age.
Property equity or deposit.
A 20% deposit if you plan to buy, 25% equity if you already own, or the renter pathway with a 1× annual income investing target.
Emergency fund extended.
Three months becomes six. The graduation milestone, returning to the first habit with a bigger target.
Every milestone has plain-language guidance for your country, sources from gov.ie, the Pensions Authority, MoneyHelper, and the CCPC, and a short list of objections most people raise.
What this isn’t
Some apps spend. Dekade plans.
Some apps want to be your current account. Others want to automate your saving, find you a deal, or invest a small amount you wouldn’t miss. Most are good at the job they do.
Dekade does a different job. It’s the planning layer that sits above the apps you already use. One target. One milestone map. One weekly practice that ties the pieces together. The product the apps don’t build, because it’s not their job to.
Keep your bank app, your auto-saver, your budgeting tool. Dekade is the workflow that connects them.
Questions
Things people ask.
Is this regulated financial advice?
No. Dekade is an educational and habit-building app. We do not make personalised investment recommendations. The boundaries sit inside MiFID II, the FCA’s rulebook, and the Central Bank of Ireland’s framework, and we are clear about them throughout the product. For personalised advice about a specific pension product, investment, or tax position, speak to an authorised adviser in your country.
What data do you collect, and where is it stored?
The financial figures you enter, the tasks you complete, and your account email and password. Encrypted at rest (AES-256), encrypted in transit (TLS 1.3), stored in EU data centres for IE and EU users, and UK data centres for UK users. GDPR Article 17 (deletion) and Article 20 (export) supported via self-serve endpoints. No data sold or shared for advertising.
How is this different from Monzo or Plum?
Monzo is a current account. Plum is an auto-saver. Dekade is neither. It’s the planning layer above whichever banks and savings apps you already use, with three things they don’t have: one target net worth for the milestone age you pick, a six-milestone map, and a weekly practice. You can keep using the others. Dekade is the workflow that sits on top.
How much will it cost?
One plan, one price, no per-seat charges, no upsells. Waitlist members see the price first and get a launch discount that disappears after. A clear picture of your money shouldn’t cost what an adviser charges.
When does it launch?
Soft launch on 1 July 2026, Ireland and UK first. France, Germany, and the Netherlands roll in through the second half of 2026 as the country-specific content lands. Waitlist members get the launch email a day before the public open.
Do you support couples?
Not at launch. Couples support is planned for an early update. Two accounts will link to a shared household view, with each partner’s individual progress preserved alongside. When it ships, adding a partner will be free. One price, not per-seat.
Is it only for Ireland?
No. Ireland and the UK at launch (1 July 2026). France, Germany, and the Netherlands by end of 2026. Each market opens with the right tax wrappers and pension structures (PRSA, ISA, PER, Riester, lijfrente), not the wrong ones translated.
What happens when I reach my milestone age?
When you reach the milestone age you picked, you see a scorecard summarising the run you just built. The habit loop continues, retargeted at the next horizon you choose. All historical data is preserved.
From the founder
A note from me, Dipo.
I started building Dekade after a conversation with my brother-in-law about turning 40. He said the thing I keep hearing from friends in their 30s. We have apps. We have savings. We have a pension somewhere. We don’t have a system that tells us whether we’re on track. The intelligence is the gap, not the discipline.
Dekade is the system I wished I’d built when I was 30. One target. Six milestones. A weekly practice. Educational, not financial advice. Built in Ireland, for people in their 30s. I’d love it if you joined.
— Dipo
Get on the list
See your net worth on 1 July.
One email on launch day. That’s it. No spam between now and then.