Coming soon · 2026
All your money.
One clear picture.
Stoia brings your bank accounts, cards, investments, crypto, real estate, and vehicles into one calm view, with budgets, goals, and workspaces you can share with a partner or roommates.
Launching on iOS, Android, and the web.
Net worth
BB$128,340.62
- Cash$24,350
- Investments$68,900
- Real estate$61,500
- Liabilities−$26,410
9
asset classes in one net worth
3
platforms: iOS, Android, Web
1
clear picture of how you're doing
0
ads, ever. You are the customer.
Track
Every account, synced into one net worth
Connect checking, savings, cards, loans, investments, and crypto through secure, read-only connections. Add your home and car, and Stoia keeps their values current too. The result is one number that finally means something.
- Automatic sync with read-only access, so nothing can ever move money
- Net worth history with every asset and liability included
- Clean transaction feed with AI categorization you can train
Whole Foods
Groceries
−$84.12
Today
Netflix
Subscriptions
−$15.49
Jul 28
Paycheck
Income
+$3,250.00
Jul 25
Shell
Transport
−$42.80
Jul 24
July budget
$743 of $1,050- Groceries$412 / $600
- Dining out$235 / $250
- Transport$96 / $200
Rollover on. Unspent amounts carry into August.
Budget
Budgets that bend without breaking
Real life doesn't fit rigid envelopes. Stoia's budgets roll unspent money forward, learn how you categorize, and let you split one transaction across categories, people, or goals.
- Category budgets with rollover, so a cheap month helps an expensive one
- Transaction splits: one warehouse run, three categories, zero spreadsheets
- Recurring charges detected automatically, with renewal reminders
Plan & share
Money is rarely a solo sport
Stoia is organized around workspaces: separate spaces with their own accounts, budgets, and members, so shared money and private money never get tangled. Budget with your partner, split rent with roommates, keep your personal space yours.
- Household workspaces with full shared visibility and one family net worth
- Roommate workspaces for rent and utilities, personal finances stay private
- Savings goals and a forward view of cash flow, so month-end is never a surprise
Choose space
- Personaljust you
- Householdyou + partner
- Roommatesrent & utilities
Add new space
Built to answer one question: how am I actually doing?
Every asset class, one net worth
Banks, cards, brokerage, retirement, crypto, real estate, and vehicles: synced automatically and rolled into a single net-worth view that updates as your life does.
Budgets that fit real life
Flexible category budgets with rollover, AI-powered categorization you can train, and transaction splits: assign one purchase across categories, people, or goals.
Household & roommate workspaces
Share a full workspace with a partner, or split rent and utilities with roommates while your personal accounts stay private. Sharing is the architecture, not an afterthought.
Bills & subscriptions, spotted
Recurring charges are detected automatically, so you see every subscription, when it renews, and when a price quietly goes up.
Goals & cash-flow forecasting
Set savings goals, fund them from any account, and see a forward view of your cash flow so month-end is never a surprise.
Private by design
You are the customer, not the product. No ads, no selling data, and your bank credentials are never stored by Stoia.
Nine kinds of wealth. One dashboard.
Most apps stop at your checking account. Stoia connects each piece of your financial life through secure, read-only connections, so net worth means all of it, not just the easy parts.
Curious where you stand today? Try the free net worth calculator. No sign-up needed.
Checking & savings
Credit cards
Brokerage & retirement
Crypto
Real estate
Vehicles
Loans & mortgages
Savings goals
Manual assets
Learn · Free course
The path to financial freedom, step by step
A free, U.S.-focused course that goes from your first budget to the day work becomes optional. No sign-up, and every step is paired with a calculator you can use immediately.
- 1What Financial Freedom Actually Means
- 2Know Your Numbers
- 3Build a Budget That Actually Sticks
- 4Build Your Emergency Fund
- 5Pay Off Debt for Good
- 6Master Your U.S. Retirement Accounts
- 7Start Investing
- 8Protect What You Build
- 9Reach Financial Independence
- 10Master Money on an Irregular Income
- 11Manage Money as a Couple
Free tools you can use today
No sign-up, no email required. The same clear-headed math Stoia is built on.
Net Worth Calculator
What am I worth once debts are subtracted?
50/30/20 Budget Calculator
How should I split my paycheck each month?
Compound Interest Calculator
What will my savings grow to over time?
Debt Payoff Calculator
When will I be debt-free, and which method is faster?
Emergency Fund Calculator
How much cash cushion do I need?
Savings Goal Calculator
How much do I need to save each month to hit my goal?
From the blog
All articles →Investing
Save or Invest? The Order of Operations for Every Dollar
Emergency fund or 401(k)? Pay off the card or buy index funds? The standard order of operations for every spare dollar: match, cushion, high-interest debt, tax-advantaged investing, then everything else.
Saving
How to Save for a House Down Payment (Without Pausing Your Life)
How much down payment you actually need (hint: 20% is optional), where the money should sit while it grows, the monthly math for a 3-5 year timeline, and what not to sacrifice to get there.
Saving
Lifestyle Creep: Why Raises Don't Make You Richer
Every raise quietly becomes a nicer car, a bigger apartment, better restaurants, and the same $0 saved. How lifestyle creep works, why no single upgrade feels expensive, and the 50% rule that beats it.
Frequently asked questions
What is Stoia?
Stoia is a personal finance app that brings everything you own and owe into one clear picture: bank accounts, cards, investments, crypto, real estate, and vehicles, with budgets, goals, and workspaces you can share with a partner or roommates.
When does Stoia launch?
Stoia is in active development and launches in 2026 on iOS, Android, and the web.
Is my financial data safe with Stoia?
Account connections are read-only: Stoia can see balances and transactions to keep your picture current, but it can never move money, and your bank credentials are never stored by Stoia. There are no ads, and your data is never sold.
Can I use Stoia with a partner or roommates?
Yes, that's a core feature, not an add-on. Create a household workspace to budget together with full visibility, or a roommates workspace to track shared expenses like rent and utilities while keeping personal finances private.
See your whole financial picture, calmly
Launching in 2026 on iOS, Android, and the web.