Features
Built coaching-first. Backed by a full ledger.
Stello answers two questions: what should I pay this week, and where does my money actually go. Everything below serves one of those.
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.
