# Demi

> Financial planning platform built for professional women — cycle-aware money planning, life stage support, and future modelling.

Demi is a financial planning platform built specifically for professional women.

## Pages
- [Home](/): Demi's mission, product overview, team, and waitlist signup.
- [FAQ](/faq): Answers to common questions on investing, saving, maternity leave, career breaks, salary negotiation, and the gender wealth gap.
- [Resources](/resources): Long-form guides on financial planning for women.
- [Financial Planning for Women](/resources/financial-planning-for-women): Cornerstone guide — why a woman's plan is different (pay gap, career breaks, longevity) and the five pillars to build around.
- [How to Start Investing With Little Money](/resources/how-to-start-investing-with-little-money): Beginner's guide for women starting with $25–$500 — accounts, index funds, the 3-step setup.
- [SEP IRA Guide for Self-Employed Women](/resources/sep-ira-guide-for-self-employed-women): What a SEP IRA is, 2025 contribution limits, and why it's the top retirement account for freelancers and solo business owners.
- [Splitting Expenses Guide](/resources/splitting-expenses): How couples can divide bills fairly when incomes differ, during maternity leave, or through a career break.



## What Demi does
Cycle-aware financial planning — reads your menstrual cycle phases and adapts nudges to match your energy. Future modelling — holds every version of your life open (kids, pivot, new city) and shows what each one costs. Guide — all accounts in one place, one warm human voice. Life stage support — fertility, maternity, IVF, caregiving, perimenopause and beyond.

## Who Demi is for
Professional women aged 25–35 in the US and Europe navigating career transitions, life stage changes, and long-term financial planning. Five archetypes: The Sovereign (already building), The Builder (growing something), The Myriad (holding many futures), The Anchor (carrying others), The Flow (moving with her cycle).

## The problem Demi solves
The gender wealth gap is 3x wider than the gender pay gap. The motherhood penalty costs women $600K over 30 years (Bankrate, 2024). 80% of women feel unprepared to receive inherited wealth (UBS, 2025). $47 trillion is coming to women as inherited wealth by 2048 (Cerulli, 2024). By 2030, women will hold two thirds of all private wealth in the US (McKinsey). The tools have never been built for this. Demi is.

## Key questions Demi answers
How do I start investing as a woman? How do I save money effectively? How do I manage my finances after a divorce? How do I financially prepare for maternity leave? What happens to my pension during a career break? How do I build financial independence in a relationship? How do I negotiate my salary? What is the gender wealth gap? How do I start investing with a small amount? How do I make more money as a woman?

## Vision
A world where millions of women have financial sovereignty — an ecosystem they can rely on through grad school, first investments, pregnancy, divorce, perimenopause, and beyond.

## Founder
Daniella Gama (CA(SA)). Former finance professional and product leader. Built Demi after recognising that most financial tools were built around a life that moves in a straight line — and women's lives don't.

## Disclaimer
Demi is not a registered financial advisor. All content is for educational purposes only and does not constitute financial advice.

## Company
Demi Inc. Delaware C-Corp. Pre-launch. Waitlist open.

## Contact
hello@demi.com
Instagram: @meetdemi.ai
Substack: https://theforwardcurrent.substack.com