New Grad Money: Your First Real Paycheck, Handled
First salary, first 401(k), first student loan bill. The starter path that sets up the next decade in a few evenings.
For anyone in their first years of full-time pay.
- Course step 1What Financial Freedom Actually MeansSee the whole game board before you make the first move.
- Course step 2Know Your Numbers: Net Worth, Cash Flow, Savings RateNet worth, cash flow, savings rate: measure them once, then monthly.
- Free toolPaycheck CalculatorDecode your first real paycheck: where the missing third went.
- GuideThe 50/30/20 Rule, Explained (With Real Numbers)The simplest budget that survives contact with real life.
- Free tool50/30/20 Budget CalculatorTurn your first salary into needs, wants, and savings targets.
- GuideHow Much Emergency Fund Do You Really Need?Your first savings goal: one month of essentials, then three.
- Free toolStudent Loan CalculatorFace the loans early: payoff timelines at different payments.
- Free tool401(k) CalculatorCapture the full employer match from paycheck one.
- GuideSave or Invest? The Order of Operations for Every DollarThe order of operations for every dollar after the match.
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