Let's Grow, Girl.
In cycles. In flow. In your voice.
Sovereignty has a financial foundation.
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The App
Demi has your back.
A financial tool that finally moves with you — in cycles, in flow.
The Sovereign
01 / 05
Inside the App
Money that moves with you.
A live preview from the app — how your spending shifts with your cycle.
You spend with the moon.
Bloom is your biggest spend week. Demi pre-funds it on Day 12 so you never feel the bump.
BleedD1–5
$680
PlantD6–13 · TODAY
$1,040
BloomD14–16
$1,420
TendD17–28
$820
$0$1K$1.5K
What's growing.
Four goals, one rhythm. Demi nudges contributions to the weeks you have the energy.
House fundDEC '27 · +$600/MO
62%
Roth IRA · 2025JUL 14 · 1 LEFT
88%
Sabbatical · 2027SEP '27 · +$300/MO
34%
Debt-free~28 MO · $8K PAID
40%
3 ON TRACK1 TO NUDGE4 OF 4
Join the waitlist
An email
you'll actually look forward to.
Early access. Quarterly notes from Demi.
The Mission
We're on a mission.
For generations, the cost was invisible. The pension lost during leave. The salary that never fully recovered. The years of compounding — missed.
The gap was never an accident. It was a design — and that design is changing hands.
By 2030, women will hold two thirds of all private wealth in the United States. $47 trillion is coming to us as inheritance.
And when women hold wealth, we don't hoard it. We build with it. We invest in our children, our communities, our futures — and each other.
The matriarchy isn't coming. It's compounding.
$600K
Lost to the motherhood penalty over 30 years.
The bill no one warned her about.
Bankrate · 2024
80%
Of women feel unprepared to receive inherited wealth.
The gap isn't confidence. It's infrastructure.
UBS · 2025
$47T
Coming to women as inherited wealth by 2048.
Hers to receive. Hers to build with.
Cerulli · 2024
⅔
Of all US private wealth held by women by 2030.
The world changes when we hold the wealth.
McKinsey · 2025
The Product
FINANCIALsovereignty.
Here for you every step of the way
In flow. In sync. Future-proof.
Hover any stop on the journey to explore
01 · CONNECT
Every account, in one place.
Her moment. A current account here. Investments there. A pension you haven't logged into in two years. A credit card. Maybe a side-hustle account. You're competent — the picture just isn't anywhere.
What Demi does. Securely connect your bank, credit, investments, pension and debt accounts in minutes. No spreadsheets. No manual entry. Demi builds your full financial picture from your real data.
All your accounts. One live picture.
02 · AI READS YOUR LIFE
Advice from your actual numbers.
Her moment. Generic budgeting advice assumes a life that moves in a straight line. Yours doesn't. You need advice that knows what's actually in your accounts this week.
What Demi does. Demi's AI reads your real income, spending, debt and investments and surfaces what matters — what to pay down first, where you're leaking money, where you're already winning. No forms. No questionnaires.
Personal advice, grounded in your data.
03 · CHAT THAT LEARNS YOU
The more you tell her, the smarter she gets.
Her moment. Your money story isn't just numbers. It's the move you're planning, the baby you might have, the parent you're starting to support. None of that fits in a budgeting app.
What Demi does. Talk to Demi like you'd talk to a friend who happens to be a CFO. Every conversation teaches her more about your situation — and she folds it straight into your goals, plans and nudges.
One warm, human voice. Always on.
04 · TAILORED GOALS & PLANS
A plan that moves with your life.
Her moment. Maternity. Career break. A pivot. IVF. Buying a flat. Each one rewrites the plan — and most apps pretend they don't exist.
What Demi does. Demi turns what she learns into tailored goals, savings plans and future models — cycle-aware and life-stage aware. Fertility, maternity, caregiving, perimenopause, all held.
Tailored to where you actually are.
The Team
We've lived this problem. Now we're solving it.
Women-owned. Data encrypted.
Building with our community, not just for them.
A letter from the founder
Why I built
I want to live in a world where millions of women have financial sovereignty. Not financial literacy. Sovereignty.
An ecosystem they can rely on — through grad school and first investments. Through pregnancy, divorce, perimenopause and beyond. Through every version of themselves.
The tools have never existed for this. Not really. Most financial products were built around a life that moves in a straight line. Hers doesn't.
I grew up talking openly about money. About how the habits you build around it define your relationship with it — more than what you earn or spend. Most women were never given that language. That's not a personal failing. It's an inherited system.
Demi is the tool I want every woman to have.The one that moves with her life, not against it. We're just getting started.
Let's grow, girl.
— Dani
Founder, Demi
Resources
Notes from the
build.
Come find us
The Forward Current · Substack
The thinking behind the build.
Essays on women, wealth, and the system that wasn't built for us.
Instagram · @meetdemi.ai
Financial education, in your feed.
Cycle syncing, wealth gaps, investing basics — made visual.
Notion · Free Template
Maternity Leave Financial Planner.
Plan your finances for leave — before the shock hits.
Together
We're building this
together.
Be part of the first community shaping Demi.
Your voice, your feedback, your journey matters here.