From budgeting to saving for retirement, Stash unites banking,1 investing, and advice in one app that helps over 5 million people reach their financial goals—all for one low monthly price.

Stash can give you everything you need to manage your money and get more out of your paycheck. 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 you with useful advice for everything from budgeting to investing.

2. Pick a plan
Then, you’ll pick your subscription plan, starting at just $1/month.†
With Stash, you always get access to investing with a personal brokerage account, online banking,1 budgeting and saving tools, the Stock-Back® Card, and advice and education. Depending on the plan you choose, you can also add a retirement account (IRA) and custodial investment accounts for kids.

3. Add money to Stash
You can add money to Stash in two ways: direct deposit with early payday3 or link another bank to make recurring or one-time transfers.

4. Bank, budget, and create goals
Use our bank account and automatic budgeting and saving tools to organize your cash into different spaces,6 create goals, and track your spending.7

5. Invest in fractional shares
Once you’ve added cash to invest, you can immediately start investing in fractional shares of thousands of stocks and ETFs with $1 or less. 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.)

6. Earn stock rewards
Spend with your virtual or physical Stock-Back® Card to start earning pieces of stock from Stash as rewards for your everyday spending.