Everything you own and owe, in one number that is actually right
Property, portfolios, pensions, mortgages, income and recurring costs, tracked together — so the total updates when one part of your life changes.
Early access — open to our first users
Know exactly where you stand — and where you’re heading.
Level 30 brings your property, investments, pensions, loans, income and spending into one clear picture — then helps you make decisions with it.
No email needed to look around — you decide what to tell us, and when.
Your money is spread across a bank, a broker, a pension provider, a mortgage and a spreadsheet you last opened in March. Each one shows you a fragment. None of them can tell you what it adds up to — or what it means for the decision in front of you.
WHAT YOU GET
One picture, and the judgement to use it.
Experts for the questions that have no search result
Real estate, tax, pension and estate planning — each one answering from your actual figures rather than a generic rule of thumb.
Run the decision before you make it
Retire at 60. Sell the flat. Overpay the mortgage. Take the lower salary. See what each one does to the next twenty years before you commit to it.
A report you can put in front of someone
Export the whole position as a clean PDF for your partner, your accountant or the bank — without rebuilding it in a spreadsheet first.
ASK IT ANYTHING
Ask the question you actually have.
Not “what is a good savings rate”. The specific, awkward, personal one you have been turning over for six months.
Can I afford to retire at 60?Overpay the mortgage, or invest the difference?What would selling the Tampere flat actually leave me?How exposed am I if rates go back to 6%?What happens to my estate if I die tomorrow?Am I paying too much tax on dividends?
Overpay the mortgage, or invest the difference?
REAL ESTATE EXPERT
Split it. Overpaying is the better risk-adjusted move for part of this — but not for all of it.
Your mortgage costs 3.1% after the interest deduction. Overpaying is a guaranteed 3.1% return with no sequence risk.
Your portfolio has returned 6.4% a year since 2021 — with two drawdowns over 12% along the way.
You hold €41,000 in cash against €2,400 of monthly outgoings — nearly three times the six-month buffer you need.
Keep €14,400 — six months of costs — in cash, put €20,000 against the mortgage, and leave the monthly investment running. That removes roughly €6,800 of lifetime interest without touching your buffer.
Based on the figures in your account. Every assumption is shown and editable — change one and this recalculates. Not financial advice.
HOW IT WORKS
Three steps, one afternoon.
01
Add what you own
Type it in, or forward a statement to your Level 30 address and it reads the figures out for you. Start with the two or three things that matter most — you can fill in the rest later.
02
See the whole picture
Net worth, what it is made of, where you are concentrated, what the next twelve months of cash flow look like. The first honest total most people have seen in years.
03
Ask the experts
Plain language in, structured reasoning out — grounded in your figures, with the assumptions on the table so you can push back on them.
HOW YOUR DATA IS HELD
We ask for an email and a password. Nothing else.
No name, no ID, no bank logins. And the part of Level 30 that holds your email is a separate system from the part that holds your money — so neither one has the full story, even from the inside.
SIGN-IN SERVICE
Your email addressA hashed password
Knows how to let you in. Has no connection to a single figure in your portfolio.
7f3a…c19ba random string that means nothing on its own
THE LEVEL 30 APP
Your property, portfolios and loansYour plans and scenarios
Knows what you own. Has never been told whose it is.
Built this way from the first commit — not added after a breach.
WHERE WE ARE
We are early — and we would rather say so.
Level 30 is pre-launch. There is no user count to quote and no testimonial to show you, so here is the honest version instead.
Working today
Net worth across property, investments, pensions and loansFour expert models: real estate, tax, pension, estate planningScenario planningPDF portfolio reportForward a statement by email
Being built now
Automatic property and portfolio valuationsMulti-currency holdingsA shared household view
Not there yet
Direct bank connectionsMobile appsAnything that files a tax return for you
Try the sample portfolio and judge it yourself. If it is not useful yet, tell us why — at this stage that is worth considerably more to us than a sign-up.
The questions people actually ask first
Do you connect to my bank?
No. There is nothing to authorise and no credentials to hand over. You enter what you own, or forward a statement and Level 30 reads the figures out of it. We never hold access to an account.
Is this financial advice?
No. Level 30 is decision support: it shows you what your own numbers imply, with every assumption visible so you can argue with it. For a regulated recommendation, talk to an adviser — ideally with the report already in your hand.
Do you sell my data?
No. No ads, no data brokers, no third-party analytics anywhere near your figures. The architecture does not even allow the interesting version of that — the system holding your finances does not know who you are.
What do you actually store?
On the sign-in side: an email address and a hashed password. On the app side: the figures you enter, attached to a random token. Nothing joins the two except you, logged in.
What if I want all of it deleted?
Every email we send carries a deletion link, and your account page has the same one. It erases both sides — identity and financial data. There is no undo, and no quiet backup copy we forgot to mention.
See what your money actually looks like.
Two minutes with a fully populated sample portfolio. No email, no bank logins, nothing to cancel afterwards.
Explore a sample portfolio — no sign-upReady to use your own figures? Create an account — an email and a password is all we need.