Coaching surface
What to pay this week
- Phase-aware debt plan
- Essentials protected first
- Adapts when cash is tight
Debt coaching · money clarity
Finish the debt.
Then keep the clarity.
Know what to pay this week. See where your money actually goes. One app, deterministic logic, no AI deciding what you owe.
Deterministic financial logic. No AI deciding what you owe.
Private
We don't sell your data. We don't track you off-site.
No ads
Subscriptions or nothing. No banner, no targeted offer.
Your data, your call
Export or delete your account on request.
One app. Two surfaces. The same answer.
Ledger surface
Where your money goes
- 11 currencies, currency islands
- Budgets with descendant aggregation
- Net worth with mixed-currency banner
Debt coaching
Know what to pay this week.
Stello's rules engine ranks your debts and tells you what to protect, pay, and stay safe on this week — adapting when cash is tight, never when it's loud.
- Phase-aware: SURVIVAL, STABILITY, or CONTROL
- Essentials and recurring obligations protected first
- Weekly plan, not endless daily nags
Not financial advice. A calculator with a clear opinion, not an advisor.
Safe-to-spend
One number you can act on.
Cashflow, essentials, and risk are calculated server-side. The number you see on the home screen is the one the engine vouches for.
- Deterministic — never AI-generated
- Updates as you log income and expenses
- Risk status communicates with icons + labels, not color alone
Not a budget. It's what you can spend this week without breaking next week.
Money tab
Where your money actually goes.
A full ledger surface: accounts in 11 currencies, transactions with type-specific validation, monthly budgets, net worth, and a mixed-currency banner when totals exclude rows.
- Income · Expense · Transfer · Debt · Receivable · Investment
- Budgets with descendant-tree aggregation and OK / WARN / OVER status
- Net worth with bank, e-wallet, cash, investment, receivable, and debt breakdowns
Not a bank-scraper. You log what counts; the engine does the math.
Goals · Investments
Progress you can see.
Goals link to a live account balance. Investment holdings price at market value — gain and loss derive on read, no manual reconciliation.
- Goals linked to real account balances
- Holdings priced at market value
- INVESTMENT_BUY auto-creates the symbol
Not a brokerage. Stello tracks; it doesn't trade.
Split Bill
Settle the trip in one tap.
Groups, four split methods, minimal-transfer settlement, and a Settle-Up that writes your portion as real ledger transactions.
- EQUAL · EXACT · PERCENT · SHARES splits
- Minimal-transfer settlement math
- Settles into your real ledger — no double-bookkeeping
Not a payment network. Stello tells you who owes what; you settle it your way.
AI Chat · PLUSPLUS
Ask in plain language.
The only AI surface in Stello. Ask scenario questions, log transactions in natural language, get coaching context. Financial decisions stay deterministic in the rules engine.
- Free: 15 turns per month
- PLUS: unlimited, with a 7-day free trial on first purchase
- Manual entry remains unlimited on both tiers
Not an oracle. The chat helps you ask better questions; the engine still answers them.
Three phases. The app meets you in the one you're actually in.
SURVIVAL
Cash is tight. Stello protects essentials and minimums. No optimization theater.
STABILITY
The plan holds. Stello starts paying down debt without breaking next week's bills.
CONTROL
Debt is shrinking on a known schedule. The app shifts from rescue to maintenance.
Free
Full ledger, full coaching, 15 AI chat turns per month.
PLUS
Unlimited AI chat. $4.99 AUD / month or $39.99 AUD / year.
Design principles
- 01
Calm authority
Information is presented as settled fact, not alarm.
- 02
Progress over ledger
Coaching is first-class. The ledger is the foundation that makes coaching credible.
- 03
Clarity earns trust
Every figure must be legible without explanation.
- 04
Motion serves meaning
Transitions communicate state changes, not decoration.
- 05
The habit is the product
The app is used weekly. Returning users get immediate orientation.
Start this week.
Free to start. PLUS unlocks AI chat.
