Starter wizard (onboarding)
After creating an account you go through a short wizard (3–4 steps). The goal is to reach value quickly — without unnecessary questions.
Step 1 — Solo or Duo
Pick a model:
- Just me (Solo) — your private financial plan.
- Me and my partner (Duo) — two people, one shared wealth plan (recommended).
On the same screen you choose the investing country: Poland or Germany (paused markets — USA, United Kingdom, France — aren't offered). Below is one privacy sentence that matches the mode: with an account, the plan is encrypted on your device (E2E); without one, your data stays on this device.
Step 2 — Profile
You enter your name, and in a couple's plan your partner's name too — both are required ("Next" stays disabled until they're filled in). An empty partner field used to silently turn the couple into a solo plan. You can change names later in Settings. In a solo plan, Invite partner adds the partner name field on the same screen. The language is already known from the landing page, and you can add your birth date later in settings (it's used for Coast FIRE projections).
Step 3 — Invite your partner (Duo only)
Share the invite code (copy it) — after signing in, your partner enters it and joins the shared plan. Email invites are available too (collapsible). You can skip this step and return to it later, and Back returns to the names. Without a cloud account there's no code — the step says plainly that a shared plan on two phones needs an account.
Step 4 — Starter plan
Choose where to start (you can change everything later):
- ✍️ Start from scratch (recommended) — your own plan; on the Almost done screen you pick a set of categories.
- 💰 Savings + loan — for building an emergency fund and paying off a loan.
- 📈 Investor — for investing in ETFs, IKE, IKZE, stocks or crypto.
- 🚀 Ready-made example — a fictional plan to look around: accounts, bonds, a loan, goals and analysis. Accounts are labelled with your names (e.g. "IKE · Ola"), and a solo plan has no second person's accounts. Clear it in Settings.
- I already invest with a broker — import from a broker file. On first setup the plan contains only the imported positions (no sample accounts, assets or goals).
If the page reloads mid-setup, the wizard returns to the same step with what you entered (the draft disappears when setup finishes and on sign-out).
There's no pricing in onboarding — you choose a subscription only once the app has had a chance to prove useful.
When you're done, you land straight on the Dashboard.
When the wizard saves data
Names, the people in the plan (partner, children), the device role and the country are written to the plan only when you finish the wizard — by choosing a starting plan or importing. Choosing "Just me" therefore doesn't remove your partner until you reach the end. Children added in the "Add children or loved ones" step are a draft until the end of the wizard, and removing a person asks for confirmation. Starting with I already invest with a broker finishes the wizard only when the import created positions — closing the import without importing returns to the last step and saves nothing. One exception: on the very first start with a partner invite, your name is saved before the invite step, so your partner can see whose plan they're joining.
Running the wizard again (from Settings)
Settings → Profile & family has Run the setup again. It isn't a copy of the first run: the first step is called Change who is in the plan, the current choice is marked ("Now: Kuba and Ania"), there's no "Best experience" badge, and the names step is Who is in the plan?. The invite step is skipped when the partner is already in the plan or the plan runs without an account. The wizard opens with your current names, and every step has Back to my current plan — it restores exactly what was there, changes nothing and returns to Profile & family, opened. The only main action of the last step is Keep my current portfolio and finish (only the people and the country change). The starting plans are folded under Start over (replaces your data) — with "Save a backup first", a choice of start and Cancel | Replace data buttons. "Just me" with a partner in the plan asks for confirmation; when the partner has their own cloud account, the wizard explains that the plan stays shared. Details: Settings.