Stash is a personal finance app that can help anyone improve their financial life.

From budgeting to saving for retirement, Stash features banking, investing, and advice all in one app. We’ve helped millions of Americans reach their financial goals–all for one low monthly price.

Stash is on a mission to empower regular Americans to build wealth. We believe every financial decision can be an investment in your future—that’s why our tools and products are designed to help people achieve greater financial freedom.

Unlike a lot of other financial companies, we’re here to help build healthy financial habits, hit money goals, and remove long-standing barriers to building wealth.

By giving Stashers access to simple, affordable investing and unlimited financial education, we remove what we consider to be the two biggest barriers stopping everyday Americans from building wealth: inaccessibility and lack of financial literacy.

In their place, we’ve created a clear path to better financial futures for all Americans.

Stash is built for beginners (and everyone in between). You can count on us to help every step of the way:

• Boost your investing confidence with our financial guidance.
• Make your first investment with personalized advice tailored to your risk profile.
• Shop like an investor —we make it easy with the Stock-Back^® Card.
• Grow your knowledge with Stash tips, tools, and insights.

Stash can give you everything you need to build wealth for the long-term. Here’s how Stash works.

1. Answer a few questions.
   When you first join Stash, we’ll get to know you by asking some questions. These help us understand your financial goals and provide useful, specific advice for things like investing and budgeting.

2. Pick a plan.
   Then, you’ll choose your subscription plan, starting at just $3/month. ^†
   With Stash, you’ll have access to a personal brokerage account, a retirement account, and a Smart Portfolio. You’ll also receive the Stock-Back^® Card that lets you earn stock when you spend. And there’s even more benefits depending on the plan you choose, like budgeting and saving tools, advice and education and more.

3. Add money to Stash.
   You can add money to Stash automatically or manually. It only takes 5 minutes to set up direct deposit to send either all or a part of your paycheck straight to Stash. You can even receive your paycheck up to 2 days early.³

4. Budget, save, and create goals
   Use our automatic budgeting and saving tools to organize your cash into different spaces,⁶ create goals, and track your spending.

5. Invest your way.
   You’ve got options. Choose to invest in fractional shares with $5 or less—you can pick from thousands of stocks and ETFs. You can also shop and earn stock with the Stock-Back^® Card¹

   Stash is built for long-term investing, not day-trading, so all of our market transactions execute during four trading windows each weekday. (Note: Availability of trading windows is dependent on market conditions and may be subject to limitations.)

The Stock-Back^® Card¹ is a debit card offered exclusively through Stash. When you use it to spend, we’ll reward you with stock on every purchase.¹ It’s an easy, automatic way to help grow and diversify your investment portfolio, just by living your everyday life.

The Stock-Back^® Card is backed by a FDIC-insured bank account with no hidden fees. That means no overdraft fees, no monthly maintenance fees, and no minimum balances, plus access to over 19,000 fee-free ATMs.² Your bank account also includes perks like smart budgeting tools and payday up to 2 days earlier through direct deposit.³

Learn about Stash banking accounts →

Stash is a personal finance app that can be used to help you build long-term wealth via a personal brokerage account. Here are a few ways you can utilize it.

Invest in fractional shares.
On the Stash platform, you can start buying pieces of stocks and funds with as little as 1¢ (or 5¢ for investments priced over $1,000 per share). You get unlimited trades, with no add-on trading commissions charged.^† Stash is built for long-term investing, not day-trading, so we only trade during four trading windows every day. (Note: Availability of trading windows is dependent on market conditions and may be subject to limitations.)

Pick your own stocks.
Unlike some other investing apps, you have the freedom to choose the stocks and funds that you want to invest in on Stash. We offer thousands of investments on our platform, and we’re frequently adding more. Browse our stocks and funds—you’ll probably see companies you know.

Need help building out your portfolio? Our diversification score feature analyzes how diversified your current mix of investments is, then recommends investments that align with your investor profile and can help improve your score.

Use automated investing tools.
We offer several automated tools that can help make it easier for you to invest regularly and build wealth. You can set a custom schedule of recurring investments on a weekly, biweekly, or monthly basis. You can also opt into round-ups, which automatically sets aside the spare change from your purchases for you to save and invest.

Get unlimited investing advice.
Many Stashers are beginner investors—but whether you’re a beginner or pro, we want you to learn how to invest with confidence on Stash. That’s why every Stash plan includes unlimited personalized advice and ongoing financial education. You can also subscribe to our weekly newsletter, The Wallet, to get the latest news and relevant resources delivered straight to your inbox.

Shop. Get stock. On us.
Every Stash plan also includes a no hidden fee² bank account paired with the Stock-Back^® Card.¹ With the Stock-Back^® Card, everyday spending can become small pieces of stock in companies you know. It’s an easy, automatic way to build and diversify your portfolio—at no extra cost to you.

Investing can be a critical part of building wealth. As time passes, inflation can eat away at the value of your saved cash—making it worth less over the years. On the other hand, the average annual return of the S&P 500 has been around 8%, historically. Even if it’s just $1 at a time, it’s important to start investing as soon as possible so you can maximize your money’s growth potential and take advantage of compound returns over the years.

Stash is a personal finance app that comes with saving, investing, and budgeting tools that you can use to better manage your money.

Save for goals.
Our goals feature lets you separate the cash in your online bank account into spaces for designated purposes. You can use this feature as a budget planner for rent, bills, groceries, an emergency fund, or your next vacation—it’s all customizable⁶. You can even set a target date and dollar amount for each goal, and we’ll send you reminders to keep you on track.

Stay on top of spending.
We track your transactions in real-time and sort your spending into categories, such as ‘Food & Drink’, ‘Shopping’, and ‘Bills’. We also offer helpful insights into where your money is going.

Save with automatic tools.
We offer automated saving and investing tools like round-ups, which automatically sets aside the spare change from your purchases for you to save or invest.

Yes. On average, Stashers save 3x more than the average American.^* How? By using our unique combination of saving, banking, and investing tools to take control of their money—and their financial lives.

*Stasher is defined as a Stash customer with at least one investment account and a banking account with Stash who has received a direct deposit to their banking account in the last 30 days (as of March 16, 2020). Stashers saved approximately $340 per month on average during this time. This is calculated through a lookback at all money put into all of the Stash accounts listed above subtracted by the amount of money taken out of these accounts. The average American saved an average of $96 per month in 2019. This is calculated by multiplying the personal saving rate (generally viewed as the portion of personal income that is used either to provide funds to capital markets or to invest in real assets such as residences) and percentage of disposable income (money that households have available for spending and saving after income taxes have been accounted for), and then dividing by the number of months in a year. See here for more information. Stash does not offer an interest-bearing savings account. All analyses and calculations were made by Stash and do not necessarily reflect Green Dot Bank’s views or positions.

Savvy investors know that saving for retirement can be a great way to build wealth, now and in the future. There are many reasons to start saving for retirement as soon as possible.

Build your future.
Your retirement can look a lot different than your parents’ retirement. If you plan to stop working at some point in the future, consider these factors.

• People are living longer
• Only 10% of us will have pensions
• We’ll probably receive less in Social Security funds than previous generations
• Future healthcare is a big (and potentially very expensive) unknown

Compounding.
Your savings in an IRA can benefit from compounding, which is a powerful way for your money to grow over time. When you invest and earn interest, that interest is added to your principal amount—then, you can start earning interest on the interest. To take full advantage of compounding, consider saving for retirement as early as possible.

Potential tax benefits.
Both Traditional and Roth IRAs can come with potential tax benefits. Traditional IRAs are funded with pre-tax dollars, which can lower your annual tax bill now.^* On the other hand, a Roth IRA is funded with post-tax dollars—so your investment earnings can grow tax-free.^**

*Withdrawing prior to age 59½, generally means you’re subject to income tax and a 10% penalty. Withdrawals after age 59½ are only subject to income tax but no penalty. Restrictions may apply depending on your income or filing status.

**Withdrawals of the money (Contributions) you put in are penalty and tax free. Prior to age 59½, withdrawals of interest and earnings are subject to income tax and a 10% penalty. All earnings are tax free at age 59½ or older, assuming your first contribution was more than 5 years prior. Income Eligibility applies.