For freelancers
Your money is one picture, even when the IRS disagrees
Freelancing means two financial lives sharing one bank balance. Stoia starts with a personal finance app that handles irregular income gracefully, and a business workspace with invoicing and tax categories is planned right after launch.
Irregular income, regular clarity
Feast months and famine months average out only if you can see them clearly. Stoia keeps the whole picture current, so a great invoice month funds the quiet one after it, on purpose.
- Every account, invoice payment, and tax stash in one net worth
- Cash-flow view built for lumpy months
- Goals that turn 'save for taxes' into a funded number
Net worth
BB$128,340.62
- Cash$24,350
- Investments$68,900
- Real estate$61,500
- Liabilities−$26,410
Netflix
Monthly · renews Aug 12
$15.49
Spotify
Monthly · renews Aug 3
$11.99
Car insurance
Every 6 months · renews Oct 1
$684.00
iCloud+price up
Price went up $1 in June
$2.99
The tool stack, audited
Freelancer subscriptions multiply: the design tool, the invoicing tool, the hosting, the storage. Stoia lists them all with dates and totals, so the stack you pay for is the stack you use.
- Every SaaS subscription surfaced automatically
- Renewal dates before they hit, price hikes flagged
- Annual charges spotted before they surprise your cash flow
Frequently asked questions
What does Stoia offer freelancers at launch?
Everything on the personal side: every account in one net worth, budgets that handle irregular income, recurring-charge detection for your tool subscriptions, and goals for the quarters when taxes come due.
What is the business workspace?
A planned post-launch workspace for freelancers and solo founders: invoicing, tax categorization, profit & loss, quarterly tax estimates, and accountant collaboration, living alongside your personal space in the same app.
When is the business workspace coming?
After the 2026 launch. We're deliberately shipping the personal and household experience first and building business accounting on that foundation. We'll share more as it gets closer.
Why one app for both?
Because freelancer money doesn't respect the boundary: the laptop is a business expense on a personal card, the tax payment comes from savings. Two disconnected apps mean the full picture lives in neither. One app with two workspaces keeps the wall where it belongs without losing the whole.
How should I handle irregular income in the meantime?
The standard playbook: budget on your baseline month, not your best month; keep a larger emergency fund than salaried folks (9 to 12 months of essentials); and set aside a fixed percentage of every payment for taxes. Our free calculators can put numbers on each piece.
Built for the self-employed's real life
Personal clarity now; business tools on the same foundation next. Launching in 2026.