How Pace works
Five moves.
One game. Your exit.
From your first transaction to a portfolio run by rules — every move checked against your own numbers, never a tip, a signal or a hunch.
Step 1 of 5
Add transactions
One by one, or rough totals for the last three months when you start. Three full months unlock statistics and the budget — before that Pace doesn't pretend to know.
Instead of guessing how much you can afford to put in the market.
October
works offlineSalary
Income
Rent
Housing
Groceries
Living
Fuel
Living
Coffee
Doodads
Add transactions
One by one, or rough totals for the last three months when you start. Three full months unlock statistics and the budget — before that Pace doesn't pretend to know.
October
works offlineSalary
Income
Rent
Housing
Groceries
Living
Fuel
Living
Coffee
Doodads
Instead of guessing how much you can afford to put in the market.
Step 2 of 5
Categories carry the meaning
Five required roles — salary, passive income, savings, investments, debt repayment — that you can rename freely. Every expense sits on a Cashflow line: taxes, housing, children, living or doodads.
Instead of a broker, an exchange and three spreadsheets that never agree.
Where it went
Your categories, on Cashflow lines
Categories carry the meaning
Five required roles — salary, passive income, savings, investments, debt repayment — that you can rename freely. Every expense sits on a Cashflow line: taxes, housing, children, living or doodads.
Where it went
Your categories, on Cashflow lines
Instead of a broker, an exchange and three spreadsheets that never agree.
Step 3 of 5
The guide tells you the next step
Phase F0 is the foundation: three months of data, a surplus, no expensive debt, a safety fund. Then the core (steady investing), then a satellite that has to earn its place.
Instead of tips, signals and Telegram groups deciding your next move.
Next step
Safety fund: 6 months of spending
Kept in savings, never invested. It's what lets you hold through a crash.
The guide tells you the next step
Phase F0 is the foundation: three months of data, a surplus, no expensive debt, a safety fund. Then the core (steady investing), then a satellite that has to earn its place.
Next step
Safety fund: 6 months of spending
Kept in savings, never invested. It's what lets you hold through a crash.
Instead of tips, signals and Telegram groups deciding your next move.
Step 4 of 5
The budget builds itself
Income is planned conservatively, spending at the median of your months, known bills get a reserve, and the rest goes to the fund, then the core. Lock any amount to your own number.
Instead of investing whatever happens to be left at the end of the month.
November plan
Income €2,000
The budget builds itself
Income is planned conservatively, spending at the median of your months, known bills get a reserve, and the rest goes to the fund, then the core. Lock any amount to your own number.
November plan
Income €2,000
Instead of investing whatever happens to be left at the end of the month.
Step 5 of 5
Portfolio and tax
Core & satellite, performance, a tax clock for your country and satellite discipline. Tools unlock as you progress.
Instead of finding out about the tax bill after you've sold.
Core & satellite
VWCE lot turns tax-free
Your country's holding-period rule
408
days
Rules for 31 countries · warnings before you sell
Portfolio and tax
Core & satellite, performance, a tax clock for your country and satellite discipline. Tools unlock as you progress.
Core & satellite
VWCE lot turns tax-free
Your country's holding-period rule
412
days
Rules for 31 countries · warnings before you sell
Instead of finding out about the tax bill after you've sold.
Six phases
Level up when the numbers say so.
Foundations
Know your numbers, kill expensive debt, build the safety fund
Core
Automatic monthly investing into a diversified core
Execution
The core runs on its own; the satellite earns a track record
Scaling
Proven edge — size up only what the numbers justify
Expansion
Optional modules within limits
Mastery
Two years of record; keep compounding to freedom
Six phases
Level up when the numbers say so.
Know your numbers, kill expensive debt, build the safety fund
By invitation only
The game starts soon. The list goes first.
Every euro gets a job. Every month gets a next step. You see your exit date.