What this is, and what it isn’t.

The headline

Dekade is an educational personal-finance product. It is not regulated financial advice, an investment recommendation, or a personal recommendation within the meaning of MiFID II. Nothing on this site should be treated as a substitute for advice from a regulated financial adviser who knows your full personal situation.

What we do

• Help you think about a target net worth using a documented method anchored in publicly-available standards (Fidelity-style multipliers, PLSA Retirement Living Standards in the UK, Vincentian MESL in Ireland).
• Surface a small number of milestones (emergency fund, high-interest debt, pension adequacy, savings, property equity, target net worth) in a clear order.
• Encourage habits like checking your numbers monthly, not daily, and treating money as a long-game rather than a daily-anxiety surface.

What we do NOT do

• We do not recommend financial instruments. We don’t tell you which fund to pick, which broker to use, which pension to enroll in, or which stock to buy.
• We do not give personal recommendations. Two people with similar wizard answers see the same calculation. We don’t know your full situation; you should not treat our result as advice tailored to you.
• We do not provide investment management. We don’t manage anyone’s money. We don’t hold client assets. We don’t accept instructions to buy or sell anything.
• We are not authorised by the Central Bank of Ireland or the FCA in the UK to provide regulated financial services. We don’t need to be, since educational content sits outside that regulatory perimeter, but we want you to know that the protections those frameworks provide do not apply here.

What this means for you

Use Dekade as a thinking tool. If our result surfaces a question or a decision that matters (“should I increase my pension contribution”, “should I overpay my mortgage”, “should I move my emergency fund into a higher-yield account”), that’s the moment to either do the research yourself or speak to a regulated adviser. We’ll give you the shape of the question. We won’t answer it for you.

You are responsible for your own financial decisions. We don’t accept liability for any loss, missed opportunity, or adverse outcome that follows from using our service. See the terms of service for the formal liability framing.

On accuracy

The calculation method is publicly documented and we believe it’s fit for purpose at the level of granularity we offer (banded inputs, country-calibrated reference data). We do not claim it is correct for your specific circumstances. The further your real situation is from the modal Dekade user (a salaried, mid-career, IE or UK resident with a fairly standard pension and home situation), the larger the gap may be between our result and what a regulated adviser would tell you.

We refine the method as new reference data becomes available and as we collect aggregate patterns from real users (never individual rows). The most recent calibration notes are available on request.

If something looks wrong

If a number on your result looks wrong (out of scale, mismatched to your situation, inconsistent with reality), please tell us. Email hello@dekade.app with a screenshot or your share link and the version of the calculation note you saw. We treat these reports seriously; they are how the method improves.

Find a regulated adviser

• Ireland: the Central Bank of Ireland maintains a public register at registers.centralbank.ie. Look for firms authorised under the Investment Intermediaries Act 1995 or MiFID.
• United Kingdom: the FCA Financial Services Register at register.fca.org.uk. Look for firms with permission to provide investment advice or pension advice.