Stoia

Save for a Big Purchase: Car, Trip, Wedding, or Anything

Turn a big goal into a monthly number with a date, park the money where it earns, and buy with cash instead of a payment plan. Free tools, no sign-up.

For anyone with a four- or five-figure goal on the calendar.

  1. Free toolSavings Goal CalculatorThe goal, the date, and the monthly amount that connects them.
  2. GuideHow to Save $10,000 in a Year: The Math, the Three Levers, and a 12-Month PlanThe $833-a-month math and the three levers that make it real.
  3. GuideSinking Funds: How to Stop Being Surprised by Predictable BillsWhy a separate bucket per goal beats one savings account.
  4. Free toolSinking Fund CalculatorSlice several goals into monthly deposits at once.
  5. GuideWhat Is a High-Yield Savings Account (And What It's Actually For)Where the money waits: earning interest while it sits.
  6. Free toolHYSA Interest CalculatorSee what the wait earns at a real high-yield rate.
  7. Free toolCD CalculatorGoals a year or more out: lock a rate and remove temptation.
  8. Free toolCD Ladder CalculatorSplit the money across terms so some of it comes due when you need it.
  9. GuideCD Ladder, Explained: Locking In Rates Without Locking Up Your MoneyWhen a ladder beats a savings account, with a five-rung worked table.
  10. Free toolCar Affordability CalculatorIf the purchase is a car, size it with the 20/4/10 rule first.
  11. GuideHow Much Car Can You Afford? The 20/4/10 Rule, Stress-TestedThe 20/4/10 rule stress-tested against total cost of ownership.
  12. GuideHow to Save for a House Down Payment (Without Pausing Your Life)The biggest purchase of all gets its own timeline.
  13. GuideHow to Budget for a Wedding: Pick the Number Before the VenueDecide the number before the venue: a $25,000 worked plan.
  14. GuideHoliday Budget: Start in September, Cap the List, Skip the January HangoverStart in September and skip the January card hangover.

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