Stratum

Stratum is a complete personal finance manager that brings your accounts, budgets, bills, and financial goals into one clear view — with an AI coach that actually understands your spending. TRACK YOUR NET WORTH Connect all your accounts — cash, savings, investments, loans, and credit cards — and watch your net worth update automatically. See exactly where you stand today and how your wealth is trending over time with a dedicated financial health score. SMARTER BUDGETING Set category budgets that match how you actually spend, then track progress in real time. Stratum flags overspending before it becomes a problem and shows you spending trends by category and merchant, so you always know where your money is going. CASHFLOW PROJECTIONS Look ahead, not just back. Stratum projects your future cashflow based on upcoming bills, income, and recurring transactions, helping you spot shortfalls before they happen. BILLS & DUES, NEVER MISSED Keep every credit card payment, bill, and recurring due date in one calendar. Set custom repeat schedules (daily, weekly, monthly) and get reminders so nothing slips through the cracks. CREDIT CARD MANAGEMENT Manage every card's billing cycle, due dates, and balances in one place, so you always know what's owed and when. SUBSCRIPTION TRACKING Stratum automatically detects recurring subscriptions from your transaction history, so you can see every subscription you're paying for and cut the ones you don't need. GOALS & SAVINGS PLANNER Set savings goals — an emergency fund, a vacation, a down payment — and track your progress with a clear plan for getting there. AI-POWERED COACH Chat with your built-in AI financial coach for daily insights and honest answers to questions like "How much did I spend last month?", "Am I on track with my budget?", and "Which category am I overspending in?" It's like having a financial advisor in your pocket. DEBT & INVESTMENT CALCULATORS Model debt payoff strategies and investment growth scenarios with built-in calculators, plus dedicated tax planning tools to help you plan ahead. REPORTS & EXPORT Generate detailed reports and export your data as CSV or PDF whenever you need it — for your records, your accountant, or your own peace of mind. FAMILY & HOUSEHOLD SHARING Manage money together. Create a household, invite your partner or family members, and share accounts so everyone sees the same up-to-date picture — while keeping personal accounts private. BUILT FOR PRIVACY AND SECURITY Sign in securely with Google or Apple, and lock the app with Face ID, Touch ID, or biometric authentication. Your financial data is encrypted and synced securely across your devices. WHY STRATUM Most budgeting apps show you the past. Stratum shows you the past, present, and future — net worth, budgets, cashflow, bills, and goals — in one connected view, with an AI coach that helps you make sense of it all. Whether you're managing money solo or with your family, Stratum gives you the clarity and confidence to make smarter financial decisions every day. Download Stratum today and start building a clearer picture of your financial life.