Who’s behind this
Hi, I’m Vadim.
I live in Limassol and work in sales. I had money left over each month and no idea what to do with it. Everything I found was either selling me something or written for people who already knew the answer.
So I built the plan I wanted. It starts with your safety net, works out what each goal needs, and shows the numbers honestly — also when they don’t add up.
What this is
A free planning tool. I build it in my evenings. One person, not a company.
What it isn’t
Not a bank, not a broker, not a licensed adviser. I don’t sell funds, and nobody pays me to recommend anything. Europa is not authorised or regulated by any financial supervisory authority.
Why it’s free
Later I want to build an app that helps people like us actually start investing. The waitlist is how I’ll tell you when it’s ready. The plan you get here is free.
Your data
Your answers work out your plan inside your browser tab. They are not written to any database, and closing the tab discards them.
To write the short summary at the top of your plan, the figures go to Google’s AI in Ireland. Your own words do not. A debt you named travels as “credit card”, and a goal as a numbered placeholder.
Asking for the plan by email stores your address, with the time and your IP address, so there is a record of what you were shown and agreed to. It joins the waitlist only if you tick the box and then click the link in a confirmation email.
Hosting and email providers still handle technical information. The Privacy Notice names every one of them and says what each receives.
How the numbers are worked out
Every assumption behind your plan is published, with where each one came from. Read the methodology
Questions or ideas?
I read every message. Contact form