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Collections
One goal per collection: the calculators, guides, and course chapters that get you there, in the order that makes sense. Start with the goal that is loudest right now.
For anyone carrying card balances, loans, or both.
Get out of debt
A free, ordered path out of debt: pick snowball or avalanche, find the payoff date, and keep your credit intact while you do it. No sign-up.
8 steps · 5 key terms
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For first-time buyers one to five years out.
Buy your first home
From down payment savings to what a lender will approve: the free calculators and plain-English guides that take you from renter to owner.
9 steps · 5 key terms
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For savers who want a plan, not predictions.
Retire with confidence
Master the U.S. retirement system: which accounts to fund in which order, what your number is, and how to draw it down without fear.
10 steps · 5 key terms
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For couples moving in, marrying, or finally talking numbers.
Money as a couple
Pick a money model with your partner (yours, mine, ours), split shared costs fairly, and budget together without the monthly fight.
6 steps · 3 key terms
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For anyone whose name is on a lease with friends.
Roommate money
Rent splits, shared bills, and the awkward conversations, handled with math instead of vibes. Free tools for households that share a lease.
5 steps · 3 key terms
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For freelancers, contractors, and gig workers.
Freelancer money
Set a rate that covers taxes, smooth the lumpy months, and save for retirement without an HR department. Built for 1099 life.
9 steps · 5 key terms
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For anyone in their first years of full-time pay.
New grad money
First salary, first 401(k), first student loan bill. The starter path that sets up the next decade in a few evenings.
9 steps · 4 key terms
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For people with savings finally ready to grow.
Investing from zero
Start investing without picking stocks: index funds, automatic contributions, and fees low enough to ignore. The unexciting path that works.
6 steps · 6 key terms
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For W-2 employees and freelancers who file in the U.S.
Tax season prep
Understand your bracket, your withholding, and your deductions before the deadline does. Educational guides and calculators, no jargon.
6 steps · 8 key terms
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For expecting and brand-new parents.
New baby money
Childcare math, a deeper emergency fund, college savings, and the paperwork nobody mentions. A calm financial checklist for new parents.
7 steps · 5 key terms
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For people who own some crypto and want it in context.
Crypto basics
Hold crypto without letting it hold your net worth hostage: position sizing, taxes, and tracking it next to everything else you own.
4 steps · 5 key terms
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For first-time borrowers and credit rebuilders.
Build credit
How scores actually work, which habits move them, and the free math that keeps utilization in the safe zone while your history grows.
4 steps · 6 key terms
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See your whole financial picture, calmly
Stoia brings everything you own and owe into one clear view. Launching in 2026 on iOS, Android, and the web.