Features

Everything Stow does for you.

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

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, limits, regular payment amounts, and transaction history.

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

Sync frequencyAccounts refresh automatically.

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

Your financial plan

Stow doesn't just track your money — it provides clear guidance on what to prioritize. Action items, debt priorities, and cash flow pressure are surfaced automatically so nothing slips through the cracks.

Debt prioritiesStow surfaces a prioritized payoff order based on your chosen strategy — Debt Avalanche, Debt Snowball, Debt Stacking, or Auto (which picks the best strategy for your current debts automatically).

Bills & obligationsRecurring bills are inferred from your transactions and tracked 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.

Recurring patternsStow detects recurring transactions and suggests them as bills, obligations, or income for your review.

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 food last month?" "What did I spend at Amazon last year?"

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 — 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.

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 comparisonSee the same debt picture under Avalanche, Snowball, and Stacking side-by-side — pick the strategy that fits how you actually stay motivated, with Stow's recommendation if you'd rather not choose.

What moves the dateExtra payments, payoff order changes, and new debts all recalculate your timeline in real time.

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

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.

Transactions

All your transactions in one place, cleaned up and searchable. Stow uses your transaction history to infer recurring obligations and keep your plan current.

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.

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

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 Plaid's standardized categories — with merchant detail one click away.

By merchantSort and search every place you've spent money, with totals across any time range.

AI spend recommendationsStow surfaces useful observations about your spending — unusual jumps, large categories worth a look, recurring charges you may have forgotten.

Trends over timeDrill into any category or merchant to see how spending has shifted month-over-month.

Where Stow runs

Stow runs on web, iOS, and Android — and uses 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.

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

AndroidNative Android app with the same plan, accounts, and features as iOS.

Push notificationsGet a heads-up on iPhone or Android when income lands, a bill is coming up, or your plan changes — opt in per notification 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 External Accounts page.

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

Coming soon

Stow is actively in development. Here's what's on the roadmap.

Annual subscription detectionPlannedFind the silent-waste subscriptions you only pay once a year — easy to forget, hard to spot in a monthly view.

Plan adherence + variancePlannedSee how closely you stuck to last pay period's plan and where the variance went — without the guilt framing.

Affordability sanity checksPlannedHeads-up when fixed obligations are eating too much of your income — like car payments above 15% or total debt service above 40% DTI.

Data exportPlannedDownload your full transaction history, plan, and account data as CSV or JSON anytime.

Feature request or question? [email protected]