Private household finance
Know what is safe to spend—before you spend it.
Stratos brings income, bills, debt payments, everyday spending, and your desired cash cushion into one clear monthly plan your household can understand together.
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Private alpha · Household-based access · Built by Kapex Labs
Most finance apps explain the past. Stratos helps guide the present.
Traditional trackers show where money went. Stratos helps a household decide what remains safe to use after income, commitments, plans, and a cash cushion are accounted for.
A traditional tracker
- Where did the money go?
- Separate totals and lists
- An individual financial view
- Alerts without enough context
Stratos
- What is safe to spend now?
- One traceable monthly answer
- A shared household plan
- Clear reasons and next actions
A useful plan should keep changing with real life.
Set the month, record what actually happens, and keep one clear answer current as income arrives, bills are paid, and spending changes.
- Bills and debt
- $3,420
- Everyday plan
- $1,872
- Cash cushion
- $300
- Safe to spend
- $1,248
Planned month
ProjectedPlanned Safe-to-Spend
$1,248
- Expected income
- $6,840
- Bills and debt
- −$3,420
- Everyday plan
- −$1,872
- Cash cushion
- −$300
Before the month begins, this is what should be safe to spend.
Illustrative example. Sample values only.
One household plan, viewed from the angle you need.
Start with the answer, then move into the details behind it without losing the month’s context.
What is safe to spend, why, and what should happen next?
$1,248
A forward-looking amount for the current pay period.
No urgent action right now
Bills, budget pressure, and current-period Safe-to-Spend are clear. Log today’s spending to keep the estimate reliable.
What else changed this month?
Illustrative preview · sample values only
This month’s plan
Planned versus spent, by category.
Essentials
Lifestyle
Illustrative preview · sample values only
Pending and upcoming bills
What is already committed this month.
- RentHousingDue Jul 1$1,850Paid
- ElectricUtilities · Auto PayDue Jul 25$142Auto Pay expected
- InternetUtilitiesDue Jul 28$70Due soon
- Car loanDebt · AutoDue Jul 20$310Paid
Illustrative preview · sample values only
Spending by category
What is left in the plan, and where it is over.
$412 of $600
$268 of $200
$205 of $240
Expense record
- Dinner — The CornerJul 23 · Dining−$88
- Electric billJul 22 · Utilities−$142
- Grocery runJul 19 · Groceries−$214
- FuelJul 18 · Transportation−$61
Illustrative preview · sample values only
One plan. Clear roles. No crossed wires.
Stratos gives a household one shared financial workspace while keeping changes intentional and responsibilities clear.
Owners
Access & settingsManage the household, member access, and planning settings.
Editors
Everyday recordsKeep income, spending, bills, debts, and balances current.
Viewers
Read-onlyFollow the household plan without accidentally changing it.
Every member enters only the household connected to their authenticated account. Stratos has no public profiles or social feed.
Clear numbers are only useful when you can trust where they came from.
Every number can be traced to the records behind it, and access stays inside the household it belongs to.
Private by design
Household information is visible only to authenticated members of that household.
Explainable numbers
Safe-to-Spend can be traced back to the income, commitments, spending, and cash cushion behind it.
No hidden automation
Stratos distinguishes what was planned, what was recorded, and what still needs confirmation.
Bring clarity to the month ahead.
Tester access is separate from a household invitation. Send your name, email address, and a short description of your household or testing context.
Already invited by a household owner? Open the invitation sent to your email to join that household.