Plan
Goals with a date, cash flow with a forecast
Saving works when it has a name, a number, and a deadline. Stoia turns 'we should save more' into a funded plan, and shows you next month's cash flow before it happens.
Goals that fund themselves
An emergency fund, a down payment, the trip you keep postponing: each becomes a goal with visible progress. Stoia does the math on what it takes each month and quietly tracks whether you're on pace.
- Target amount, target date, and the monthly number that connects them
- Fund from any account; progress updates automatically
- Shared goals in household workspaces, private goals in yours
Emergency fund
on track$10,200of $15,000
68% funded · $400/month · done by March 2027
July budget
$743 of $1,050- Groceries$412 / $600
- Dining out$235 / $250
- Transport$96 / $200
Rollover on. Unspent amounts carry into August.
See month-end on the 3rd, not the 28th
Forecasting is the difference between reacting and planning. Because Stoia already knows your recurring bills and spending patterns, it can sketch the rest of the month before it happens, so surprises stop being surprising.
- Upcoming bills and expected income on one timeline
- Typical-spending projection fills in the rest
- Tight months flagged early, while there's still time to adjust
Frequently asked questions
How do savings goals work in Stoia?
Name the goal, set a target and a date, and fund it from any account. Stoia tracks progress, tells you the monthly amount that keeps you on schedule, and celebrates when you get there. Goals count toward your net worth the whole time.
What is cash-flow forecasting?
A forward view of your money: expected income, known recurring bills, and your typical spending, projected over the coming weeks. Instead of discovering a tight month on the 28th, you see it coming on the 3rd.
Can goals be shared?
Yes. Goals inside a household workspace are visible to everyone in it, so saving for the down payment or the trip is a team sport with a shared scoreboard.
Do I need a separate savings account for each goal?
No. Goals are a layer on top of your real accounts, so you can keep money wherever it earns the most and still see exactly how much belongs to each goal.
Give every goal a date
Goals with dates and a cash flow you can see ahead of time. Launching in 2026.