StrohStroh
My Stroh Score
74
On a Roll
What’s your money score?
Wealth fitness for young Kiwis
A fitness tracker for your money.
See everything in one calm place, do a five-minute weekly ritual, and watch your money health get stronger. No jargon, no guilt, and no bank login needed.
Built in Christchurch, for Kiwis.
Example screen with made-up numbers.
- 5min
- For the weekly ritual, start to finish.
- 3rings
- To close each week: show up, ritual, week ahead.
- 100pts
- Your Stroh Score, in four simple parts.
- 0logins
- Bank logins needed to get started.
How it works
Train your money habits, gently
Not a budgeting app. Think of Stroh as a fitness tracker for your money: a calm view of where you stand, a short weekly ritual, and small wins that add up.
See it all
Take the two-minute check-up and add your accounts by hand. No bank login needed. Net worth, savings, KiwiSaver and debt, each on its own card.
Get your Stroh Score
A score out of 100 with four simple parts: KiwiSaver, saving, debt and safety net. Like a health score, it is maintained, not achieved. In plain English, with no judgement.
Do the weekly ritual
Five steps, about five minutes: look, notice, one small action, housekeeping and gratitude. Close your rings, keep your streak and watch your money health improve.
Wealth fitness
Your week, in three rings
Like a fitness tracker, but for your money. Each week three rings fill up as you show up, do your ritual and tick off a short list. No red arrows, no guilt.
Show up
Open Stroh on three different days this week. Looking at your money, without it being a crisis, is a skill. It gets easier each time.
Ritual
Do your five-minute weekly ritual. One ritual a week keeps your streak alive and your money in view.
Week ahead
Tick off the short list your ritual leaves you. Small habits and things to look at, never a product to buy.
The weekly ritual
Five steps, about five minutes
You can feel the app slow down. One thing per screen, and a short note on why each step is there.
- 1
Look
See every account in one calm view. Nothing to decide. You are just looking, and that already counts.
- 2
Notice
How did the week go? See how your net worth moved, without judging yourself.
- 3
One small action
Pick one small thing for future you. One is easier to keep than an overhaul.
- 4
Housekeeping
Update your numbers and write yourself a reminder. A little now beats a lot later.
- 5
Gratitude
Note one money thing that went well. Ending on something good makes it easier to come back.
Your money journey
A long path, and you can see it
Four milestones, in order, with where you are right now. A general map, not a plan you have to follow.
See it all
Add your accounts so everything is in one view.
Peace of mind fund
About three months of essentials set aside, sized from your income.
Get debt free
Watch a debt come down, with a payoff calculator to try your own numbers.
Grow it
KiwiSaver and investments working over the long run.
Inside the app
Calm, personal and quick
Calm screens built to be finished: a weekly ritual you can do on the bus, a streak that rewards showing up, a dashboard that shows where you stand, and a score card you will actually want to share. These are example screens with made-up numbers.
How did this week go, money-wise?
Steady is good. Steady adds up.
4
week streak
Everything in the app
One app, a lot of useful things
A two-minute check-up
A few quick questions and you get your Stroh Score out of 100, split into KiwiSaver, saving, debt and safety net.
A weekly ritual and streaks
Look, notice, one small action, housekeeping and gratitude, in about five minutes. Each step says why it is there. Keep your streak going and watch your score move.
Three weekly rings
Show up, ritual and week ahead fill as you go, like a fitness tracker for your habits.
Your money journey
Four milestones, from seeing it all to growing it, and where you are on the path right now.
Gentle reminders and a daily line
A short, kind list: some we notice, some you write yourself. And a small line each day to start from.
A peace of mind fund
A savings goal made for you, sized at about three months of essentials from your income.
A debt payoff calculator
Type in a debt and see how long it takes, and what a small extra each month changes. Add what you first borrowed and watch your progress.
A jargon glossary
Plain-English meanings of money words, plus short reads on how debt interest works and why money feels hard.
Trends and averages
See whether your net worth is going up or down, week by week or month by month, with averages in plain English. Calm colours, no red arrows.
Money in and out
Log what came in and what you spent each month in about 30 seconds, and see your average spend, what is left over and whether you are trending up or down. It will fill itself once bank linking launches.
Your money vitals
A quick read of the basics each week, in plain English, like a health check-up for your money.
A shareable score card
Share your score as a story-sized card in a few colours. It shows your score and label only, never dollar amounts.
A gentle weekly reminder
Pick the day and time. It is a nudge from your phone, nothing more.
Private by design
It works without linking a bank, and you can lock the app with Face ID or your passcode. You can delete your account and data in the app at any time.
What your KiwiSaver may cost
An estimate of your yearly fees in dollars, based on the provider and fund you choose.
Whether you may be missing free money
A check of whether you appear to get the government contribution and your employer’s, based on the rules as we understand them.
How your fund fits your timeframe
A simple look at how your fund type generally suits the years you have until 65.
A rough look at 65
An illustrative projection of your KiwiSaver balance in today’s dollars. An estimate, not a promise.
Your score over time
A simple chart of your Stroh Score and its four parts, with a plain-English summary of what has changed. Scores only, never dollar amounts.
Savings goals
Save for a trip, a car or a safety net. Track up to three goals, with progress bars and a weekly amount to aim for.
Goals that follow your accounts
When bank linking launches, a goal will be able to follow a savings account, so its progress updates itself. Until then you update it by hand.
A first job checker
Starting a job? A two-minute checklist for your likely tax code, KiwiSaver, IRD number and what a payslip means, with links to the official IRD pages.
A dashboard of your accounts
Your net worth, what you hold and what you owe, with each account on its own card. Type your accounts in yourself and it works today, no bank link needed. Linked accounts will join them once bank linking launches, with read-only access.
Net worth over time
A simple chart of your net worth as you update your balances. It stays on your phone and is never sent to us.
A week-ahead list
Your five-minute weekly check-up ends with a short to-do list for the week: small habits and things to look at, never a product to buy.
An app lock
Turn on Face ID, fingerprint or your phone passcode to open Stroh. Your phone does the checking, so we never see or store it.
Take-home pay
Put in a salary or an hourly rate and see what lands in your bank account after tax, ACC, KiwiSaver and student loan. An estimate, using the current IRD numbers.
Your bills, and your share
List what you pay and how many people share each bill, and Stroh works out your share each month. It is just for you: nobody else needs the app and nothing is sent anywhere.
Checklists for big moments
Moving into a flat, buying a first home or heading overseas: plain-English checklists with links to the official pages. Tick them off at your own pace.
Investing vitals
Add your shares or funds by hand and see where your money sits next to KiwiSaver and cash. Information only, never a recommendation.
A compound interest calculator
See how a little saved regularly could grow, and why starting early helps. An illustration, not a prediction.
A what-if simulator
Try a different contribution rate or a little extra saving, and see how your score could move.
Short, jargon-free explainers
Fund types, fees, compounding and the safety net, explained in plain English.
Your data
Trust comes first
Your money is personal. Here is how we plan to treat it.
- It works without linking a bank. Your answers, accounts, bills, net worth history and notes stay on your phone until you choose to create an account, and some never leave it.
- An optional app lock uses Face ID, your fingerprint or your passcode. Your phone does the check, so we never see it.
- Bank linking is not available yet. When it is, it will be optional and read-only, so we cannot move your money.
- When bank linking launches, you will sign in on your bank’s own screen through Akahu, so we do not see your bank password.
- The app lets you export a copy of your data and delete your account and your data from Settings.
- No ads, no data selling. This website uses no cookies and no tracking.
- Stroh gives general information, not financial advice. We do not tell you to switch to a specific fund.
Questions
Good questions
Is Stroh a budgeting app?
No. Budgeting apps ask you to track every dollar. Stroh is more like a fitness tracker for your money: a calm view of where you stand, a five-minute weekly ritual, and one small action a week.
What is the weekly ritual?
Five steps, about five minutes: look at your accounts, notice how the week went, pick one small action, do a little housekeeping and note one thing that went well. Finish it to keep your streak and close a ring.
Is it personal, or social?
Personal. There are no feeds, no followers and no leaderboards. Stroh is just for you.
Do I need to link my bank?
No. The Stroh Score works from a few quick questions, and you can type your accounts in yourself to see your net worth. Bank linking is not available yet. When it is, it will be optional.
Can I see if my spending is going up or down?
Yes. Each month you can log what came in and what went out, which takes about 30 seconds, and Stroh shows your average spend, what is left over and how it compares with the month before. You can also see whether your net worth is trending up or down, weekly or monthly. Bank linking is not available yet. When it is, this will be able to fill itself, but it will always be optional.
Can I save towards a goal?
Yes. You can set up to three goals, like a safety net, a trip or a first car, and update them in your weekly check-in. Bank linking is not available yet. When it is, a goal will be able to follow a savings account, but that will always be optional.
Is it free?
The health check is planned to be free. We will tell you about any pricing before anything is charged. See our refunds page.
Is this financial advice?
No. Stroh gives general information to help you understand your situation. It does not recommend any provider, fund or product. For advice about your own circumstances, talk to a licensed financial adviser.
When can I use it?
We are building in New Zealand now. Join the waitlist and we will email you when it is ready.
Find out where you stand
Join the waitlist and we will email you when Stroh is ready.