Track
Net worth tracking that includes everything
Most apps show your checking account and call it a day. Stoia adds your investments, crypto, home, and car, subtracts what you owe, and keeps one honest number current: your actual net worth.
One number that finally means something
Net worth is the single most useful number in personal finance, and the hardest to keep current by hand. Stoia rebuilds it continuously from your connected accounts, so progress (and problems) show up while you can still act on them.
- Assets minus liabilities, computed from live balances
- History that shows the trend, not just today's snapshot
- Liabilities tracked as first-class citizens, not an afterthought
Net worth
BB$128,340.62
- Cash$24,350
- Investments$68,900
- Real estate$61,500
- Liabilities−$26,410
Whole Foods
Groceries
−$84.12
Today
Netflix
Subscriptions
−$15.49
Jul 28
Paycheck
Income
+$3,250.00
Jul 25
Shell
Transport
−$42.80
Jul 24
Accounts and transactions, always in sync
Balances are only half the story. Stoia pulls your transactions into one calm feed, categorizes them automatically, and lets you refine the results until they match how you think about your money.
- Automatic bank sync with secure, read-only access
- AI categorization that learns from your corrections
- A clean feed across every account, searchable and filterable
Nine kinds of wealth, one dashboard
Each piece of your financial life connects through a best-in-class, read-only integration. If it can't be connected, it can be tracked manually, so nothing is left out of the picture. Want a preview today? The free net worth calculator works in your browser.
Checking & savings
Credit cards
Brokerage & retirement
Crypto
Real estate
Vehicles
Loans & mortgages
Savings goals
Manual assets
Frequently asked questions
How does Stoia calculate net worth?
The classic way: everything you own minus everything you owe. Stoia totals your connected and manual assets (cash, investments, crypto, property, vehicles), subtracts your liabilities (cards, loans, mortgages), and tracks how the number changes over time.
Are the connections read-only?
Yes. Stoia can see balances and transactions to keep your picture current, but it can never move money. Your bank credentials are never stored by Stoia, and investment and crypto connections are read-only by design.
What if an account can't be connected?
Anything can be tracked as a manual asset or liability: a private loan, collectibles, a car you'd rather value yourself. Manual entries roll into your net worth exactly like connected ones.
How current are home and vehicle values?
Home and vehicle values are refreshed automatically from live market data, so your net worth drifts with the market instead of freezing at the purchase price. You can always override with your own number.
Your whole picture, kept current
Every account, every asset, one honest number. Launching in 2026.