Free tools & calculators
The same clear-headed math Stoia is built on — free, instant, and private. Everything runs in your browser: we never see a number you type.
Net Worth Calculator
“What am I worth once debts are subtracted?”
Calculate your net worth in under a minute: add up everything you own, subtract everything you owe, and see how you compare with U.S. medians by age. Free, no sign-up.
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50/30/20 Budget Calculator
“How should I split my paycheck each month?”
Free 50/30/20 budget calculator: enter your monthly after-tax income and get exact dollar targets for needs, wants, and savings — with adjustable percentages.
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Compound Interest Calculator
“What will my savings grow to over time?”
See how your money grows with compound interest. Enter a starting balance, monthly contribution, rate, and time horizon to project your future balance year by year.
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FIRE Calculator
“When can I reach financial independence?”
Calculate your FIRE number, how much you still need to invest, and how many years until financial independence — based on your spending, savings, and expected returns. Free, no sign-up.
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Debt Payoff Calculator
“When will I be debt-free — and which method is faster?”
Compare the debt snowball and debt avalanche methods side by side: months to debt-free, total interest paid, and your exact payoff order. Free, no sign-up.
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Emergency Fund Calculator
“How much cash cushion do I need?”
Work out how much emergency fund you actually need based on your essential monthly expenses, how many months of cover you want, and how long it will take to save it.
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Savings Goal Calculator
“How much do I need to save each month to hit my goal?”
Plan any savings goal: find the monthly amount needed to hit a target by a deadline, or how long your current saving rate will take — including interest earned along the way.
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Rent Split Calculator
“What's a fair share of the rent for each of us?”
Split rent fairly with roommates or a partner: divide evenly, proportionally by income, or by room size. See exactly what each person owes — free, no sign-up.
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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.