Features

Everything Stow does for you.

Stow connects to your real accounts and builds a personal financial plan, updated automatically as your situation changes.

Your financial plan

Every pay period, Stow builds a prioritized plan from your real accounts: which debt deserves extra this cycle, what to set aside, what needs your attention. You don't build the plan. You follow it.

Your debtsEvery credit card, loan, and mortgage, linked through Plaid or added manually, with a payoff strategy: Debt Avalanche, Snowball, Stacking, or Auto (Stow picks the best fit for your debts automatically).

Immediate needsNear-term needs, like a repair, a trip, or an expense with a deadline, get their own place in the plan so real life doesn't derail it and your justifiable spending is accounted for.

Long-term goalsThe bigger things you're saving toward, built into the same plan. Reorder them anytime to match what matters most.

How Stow prioritizesA savings allocation comes off the top, then Stow weighs your debts, needs, and goals together and gives you clear actions that keep steady progress toward all of them.

Recurring patternsStow detects recurring transactions and suggests them as bills, obligations, or income for your review, then tracks them in your plan automatically.

Cash flow pressureUpcoming obligations are surfaced before they hit so you can plan ahead.

Action itemsOpen items (things that need your attention) are surfaced on your home screen.

Plan updatesYour plan recalculates automatically whenever your account data changes.

Irregular incomeA meaningful deposit that isn't part of your normal pattern triggers a fresh plan around it, and Stow flags a paycheck that looks overdue.

Your numbers, live

The answers up front: what's safe to spend right now, how healthy your money is, whether you're trending the right way. And charts worth looking at when you want to dig in.

Safe to SpendOne live number for what's actually safe to spend before your next paycheck, after every upcoming bill, debt payment, and transfer has been set aside.

StowScoreA 0-100 financial health score built from five factors: commitments, safety net, overspending, monthly surplus, and debt trend, tracked over time so you can watch it improve.

Cash flow breakdownA monthly view of Fixed, Flex, Living, and Free money, plus your debt-to-income and fixed-cost ratios.

Balances trendCash versus debt over the past year, so progress is visible instead of a feeling.

Debt & goal timeline

See exactly when you'll be debt-free and what moves that date. Your timeline updates automatically as your balances and priorities change.

Debt-free dateStow calculates when each debt will be paid off based on your current balances and payment amounts.

Strategy selectionStow simulates Debt Avalanche, Snowball, and Stacking against your actual debts and recommends the best fit, or you can pick the strategy that keeps you motivated.

What moves the dateExtra payments, payoff order changes, and new debts update your timeline with the next plan refresh.

Goal trackingSet savings goals and see how they fit alongside your debt obligations.

Financing sanity checkBefore a big financed purchase enters your plan, Stow checks whether the future monthly payment actually fits your cash flow, so a goal today doesn't become a trap later.

Visual Gantt viewA timeline chart shows every debt and goal laid out so you can see the full picture at a glance, including how one rolls into the next as items get paid off.

When money gets tight

Most apps stop being helpful when you need them the most. Stow is built for the hard stretch too: it recognizes real trouble and answers it with a plan, not a pile of red numbers.

Household health checkStow continuously reads your overall situation, not just single transactions, and classifies how much pressure your household is actually under.

Recovery modeWhen cash flow turns genuinely negative, Stow shifts into a calm, step-by-step rebuild plan instead of piling on alerts.

Quick wins firstThe rebuild plan is ordered by impact, each step with the actual dollars it frees up, so you always know the next move.

Financial health signals

Stow tells you the truth, even when nobody asked. Signals are raised when a pattern genuinely needs attention, resolve themselves when things improve, and celebrate the wins along the way.

Alerts that matterMissed income, a debt that isn't actually shrinking, interest costs above market rate, savings runway getting thin. Stow speaks up when a pattern needs attention.

Annual & hidden subscriptionsA heads-up before yearly charges hit, a rollup of what annual subscriptions really cost you, and detection of quiet recurring charges you may have forgotten.

Plan adherence recapA recap of how much of last month's plan you funded and where the variance went. No guilt framing, just the numbers.

Affordability checksA flag when a car payment tops 15% of your income, or when total debt service crosses the debt-to-income ceiling lenders use.

Wins, not just warningsSignals resolve themselves when your data improves, and Stow celebrates progress: debts cleared, streaks kept, milestones hit.

AI spend observationsUnusual jumps, large categories worth a look, and shifts versus your recent normal, surfaced automatically.

Ask Stow

Ask Stow is powered by industry-leading AI and grounded in your actual numbers. Ask any question about your finances and get a direct, personalized answer, not generic advice written for someone else's situation. The assistant can also walk you through why Stow made a particular recommendation, and route bug reports or feature ideas straight to the team.

Account & balance questionsYes"How much interest am I paying per month?" "Which card has the highest rate?" "What's my total debt?"

Spending patternsYes"How much did I spend on dining last month?" "What are my biggest categories this month?"

Planning questionsYes"Can I afford to increase my car payment?" "When will I pay off my student loans?"

Diagnostic walk-throughsYes"Why isn't my Vanguard account in my plan?" "Why did Stow recommend paying that card first?" The assistant pulls up your plan, forecast, and review items to walk through what it sees.

Bug reports & feature ideasYesNotice something broken, or have an idea? Tell the assistant, and it routes the report straight into the team's queue with full context, so we can act on it.

Investment adviceNoStow does not give investment recommendations or predict market performance, nor are we legally allowed to.

Tax adviceNoStow is not a tax tool and does not provide tax guidance.

Connected accounts

Stow uses Plaid to connect securely to your bank accounts. Your login credentials never touch our servers. Plaid handles authentication directly with your bank.

Checking & savingsBalances and transaction history synced automatically via Plaid.

Credit cardsBalances, regular payment amounts, and transaction history.

Loans & mortgagesOutstanding balance, payment amounts, and interest rate if available.

Investments & brokerageBalances tracked separately from spendable cash, so investment money is never mistaken for money you can spend.

Sync frequencyAccounts refresh automatically.

Manual debtsAdd debts that aren't connected through Plaid. Stow includes them in your payoff plan alongside linked accounts.

Transactions

All your transactions in one place, cleaned up and searchable, and yours to correct: Stow's automatic categorization is a starting point, not a verdict.

Transaction historyView transactions across all connected accounts in one place.

Merchant enrichmentTransactions are cleaned up with readable merchant names and categories.

Search & filterFilter by account, date range, or search by merchant.

Make it yoursRecategorize any merchant across your whole history, or mark a charge as not-spend (reimbursements, gifts, transfers). Every change is listed and reversible.

Recurring detectionStow identifies recurring transactions and surfaces them for review as bills, obligations, or income.

CSV exportDownload your filtered transaction history as a CSV anytime.

Spend insights

See where your money is actually going: by category, by merchant, over time. Stow surfaces useful observations on top of the data so you don't have to dig for them.

By categorySee where your money goes each month, grouped by category and refined by any merchant recategorizations you've made, with merchant detail one click away.

By merchantSort and search every place you've spent money, with totals over any window up to the past year.

Spend trendA daily spend trend for any period up to a year, with Stow's insights flagging when a category or merchant moves versus your recent normal.

Where to use Stow

Stow runs on web and on mobile, with the same plan and data wherever you sign in. Pick up on your phone where you left off in your browser.

WebFull Stow experience in any modern browser at stowmoney.app, on any device.

iOSNative iPhone app built with the same plan and data as the web. Open Stow on the go.

AndroidNative Android app built from the same codebase as iOS — same plan, same data, in beta now.

NotificationsA push and email when income lands and your fresh plan is ready, and when new items need your review. Email alerts can be tuned per type.

Account & profile

Stow is built around households, not individual accounts. Share a plan with your partner, pick the sign-in method that fits your setup, and theme the app to match how you like to look at your money.

Household namePersonalize your Stow experience with a household name.

Display nameSet the name Stow uses when addressing you.

Shared householdsInvite a partner or spouse to share a plan. Both members see the same accounts, plan, and timeline.

Sign-in optionsPasswordless email magic link, Sign in with Google, or Sign in with Apple. Choose whichever fits your setup.

ThemesPick from several light and dark themes to match how you like to look at your money.

Connected accountsManage all Plaid-connected institutions from the Accounts page.

Disconnect accountsRemove any linked institution at any time. All associated transactions and accounts are deleted from Stow immediately.

Feature request or question? [email protected]