Doors closed · waitlist open
Money that knowswhere it's going.
Level 5 · Core
1,150 XP
For investors, traders and high earners: money run by rules, not hype.For investors, traders and high earners who want their money run by rules, not hype: quests from your real numbers, XP for every good month, and a clear road out of the rat race.
How it worksLevel 5 · Core
1,150 XP
Payday
€610
monthly cash flow
Rat race → fast track
18 %
Example with made-up numbers
Sound familiar?
You know the markets.
You don't know your numbers.
You've read the books, watched the charts, maybe blown an account or held a coin through −80 %. Information was never the problem. The system around your money was.
The trader
One bad week erases a good year
No position sizing, no safety fund behind it — so every drawdown turns into a forced exit at the worst price.
The crypto believer
Conviction isn't a plan
No rule for when to take profit, how much is too much, or what the tax bill will be when you finally sell.
The high earner
Big income, no exit date
Salary, bonus, equity — and lifestyle grows faster. You earn like a director and still can't say when you could stop.
The self-taught investor
Five apps, zero answers
A broker, an exchange, three spreadsheets and a podcast queue. Not one number tells you whether it's working.
Your account
Example
−64%
Tax on last year's gains
Same money. One had rules. Boring wins.
Sound familiar?
You know the markets.
You don't know your numbers.
Your account
Example
0%
Entry on a tip
Same money. One had rules. Boring wins.
The trader
One bad week erases a good year
No position sizing, no safety fund behind it — so every drawdown turns into a forced exit at the worst price.
The turn
Pace puts rules around your money. A game you can actually win.
Always know the next step
A six-phase guide from foundations to freedom. One quest at a time, checked against your real numbers — XP, streaks and level-ups for every good month.
A plan for every euro, without the spreadsheet
Each month's budget builds itself from your history and the bills you know are coming. Lock what you know; Pace balances the rest.
See your exit from the rat race
Your Cashflow player card: salary, passive income, expenses by line and payday — and how many years until passive income pays for your life.
The turn
Pace puts rules around your money. A game you can win.
A six-phase guide from foundations to freedom. One quest at a time, checked against your real numbers — XP, streaks and level-ups for every good month.
Six levels
From “where did it go?”
to free.
Every level unlocks only when your real numbers say so. No ticking boxes on faith — XP, streaks and level-ups you actually earn.
Foundations
Know your numbers, kill expensive debt, build a 6-month safety fund
Core
Invest automatically, every month, into a diversified core
Execution
The core runs on autopilot; a small satellite earns its place
Scaling
Size up only what your own numbers prove
Expansion
Optional modules, inside hard limits
Mastery
Two years of record — compounding towards freedom
Six levels
From “where did it go?” to free.
Know your numbers, kill expensive debt, build a 6-month safety fund
Level 0 of 5 · every level unlocks only when your numbers say so
Free · no account
When could you leave the rat race?
Move the sliders. This is the same maths Pace runs on your real numbers every month.
1 · Your numbers
Investing style · real return after inflation
Assumptions, not a forecast. Nothing you enter leaves your browser.
2 · Your exit
Freedom number
€600,000
Out of the rat race in 46.9 y · covered today 1 %
Breathing room
10 % of spending covered · €60,000
Flexibility
25 % of spending covered · €150,000
Half free
50 % of spending covered · €300,000
Free
100 % of spending covered · €600,000
Cut €100 of doodads a month and invest it: freedom comes 6.3 years sooner.
Cutting spending works twice — more to invest and a smaller number to reach.
Built on maths, not hype
Three laws. Zero guessing.
Conservation
Every unit of income ends up somewhere: spending, saving, investing, debt — or it has no job. Pace breaks it down every month.
Entropy
Without a plan, spending spreads and grows. Pace measures how scattered and how fast your spending drifts and flags lifestyle creep.
Probability
Medians, confidence intervals and simulations. Below three months of data Pace says 'not enough data' instead of guessing.
Portfolio and tax, whatever your broker
ETFs and bonds are the core; single stocks and crypto are the satellite. Pace shows the split, how far you are from it, and when each lot turns tax-free — under the rules of the country you pay tax in.
Built on maths, not hype
Three laws. Zero guessing.
Every unit of income ends up somewhere: spending, saving, investing, debt — or it has no job. Pace breaks it down every month.
Tax clock · 31 countries
Core & satellite, holding periods, warnings before you sell.
Questions people ask first
Another budgeting app?+
Fair question — most of them stop at charts. Pace tells you the next step: the guide checks your real numbers and hands you one quest at a time, from safety fund to freedom number.
Do I have to connect my bank?+
No. You add transactions yourself (it takes seconds, also offline). Nothing reads your bank account.
I already trade or hold crypto. Why Pace?+
Because returns without a system leak away. Pace gives the core a rule, sizes the satellite (single stocks, crypto, anything leveraged) against your portfolio, tracks your real edge and warns about tax before you sell — so one bad week can't undo a good year.
I'm not an investor. Is this for me?+
Especially. Phase F0 is about spending less than you earn, killing expensive debt and building a safety fund. Investing only unlocks once the foundations hold.
What happens to my data?+
It's yours. Analytics only with your consent, amounts hide with one tap, and you can export or delete everything in settings.
Is this financial advice?+
No. Pace is a planning tool: it shows assumptions openly and says 'not enough data' instead of guessing. Decisions stay yours.
Pace is a planning tool, not financial or tax advice.
Final level
The game starts soon. The list goes first.
Every euro gets a job. Every month gets a next step. You see your exit date.