Stoia

Your First Apartment: The Money Setup

Move-in cash, the monthly stack beyond rent, roommates, and renters insurance: a free path for moving out without moving into debt.

For first-time renters and anyone moving out on their own.

  1. GuideFirst Apartment Budget Checklist: Move-In Cash, the Monthly Stack, and a $52,000 ExampleMove-in cash, the monthly stack, and a worked $52,000 example.
  2. GuideHow Much of Your Income Should Go to Rent? The 30% Rule, HonestlyThe 30% rule, honestly, before you tour anything.
  3. Free toolRent Affordability CalculatorYour real rent ceiling from your real take-home.
  4. Free toolPaycheck CalculatorKnow the after-tax number the lease has to fit inside.
  5. Free toolHourly Paycheck CalculatorPaid by the hour? Estimate the take-home from your rate and hours.
  6. Free toolSavings Goal CalculatorDeposit plus first month plus fees: the move-in cash, dated.
  7. Free toolRent Split CalculatorSplitting with roommates? Settle the shares before the lease.
  8. GuideRenters Insurance, Explained: What You Are Actually BuyingThe landlord's policy covers nothing of yours: what a renters policy does.
  9. GuideThe 50/30/20 Rule, Explained (With Real Numbers)A monthly budget that survives utilities, internet, and groceries.

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.

Coming soon