Check Your Free Saving Score in Under 2 Minutes
Forget the pressure of credit scores. Saving Score is fun, shareable, and tracks your saving behaviour; not your wealth.
What is the Stoa Saving Score
Get your Saving Score in three simple steps
Your personal Saving Score
A number between 100 and 999 built on Stoa’s proprietary algorithm
Rooted in Nobel-winning Science
Inspired by Kahneman and Thaler's research on nudges, mental accounting, and everyday decision-making.
Three pillars of saving
Grounded in the proven 50/30/20 rule.
Why it matters
Saving Score is the world's first saving behaviour tracker.
Free & credit-safe
Check your score anytime. Free forever, no impact on credit rating.
Smart insights
Discover where your money goes, find surplus cash, and track patterns across 12 months.
Actionable recommendations
Get personalised Stoa saving pots to help you grow toward your goals.
Achieve big life goals
Use your score to improve your chances of buying a home, car, wedding, education, or dream holiday.
How it Works
Get your Saving Score in three simple steps
Create a free account
Quick and easy sign-up process
Securely connect your bank
Read-only access with bank-grade encryption
Get your score instantly
Receive your score from 100–999 immediately
Three Pillars of Financial Success
Inspired by the 50/30/20 rule, these are the foundations of strong money habits.
Retention
Your Stoa Saving Score is built on these three proven principles that separate successful savers from everyone else.
Aim to retain at least 20% of your income through smart spending habits and conscious choices.
Allocation
Your Stoa Saving Score is built on these three proven principles that separate successful savers from everyone else.
Balance is key: 50% for essentials, 30% for enjoyment, 20% for your future self.
Regularity
Your Stoa Saving Score is built on these three proven principles that separate successful savers from everyone else.
Your Stoa Saving Score is built on these three proven principles that separate successful savers from everyone else.
Track your spending and surplus cash
Build streaks and watch your score improve over time
Entertainment
Netflix
Get Free for 1 year if you save £3k Now
Shopping
Waitrose
Get £250 quid of perk value when you save £5k Now
Insurance
Amazon
Get £500 quid of perk value when you save £10k Now
Saving is more fun together
Share your score, challenge friends, and build streaks
Challenge Friends
Check your score anytime. Free forever, no impact on credit rating.
Build Streaks
Maintain consistent saving habits and unlock streak bonuses
Share Your Achievement
Show off your Saving Score on social media and inspire your network
Your deposit is FSCS protected
Your eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme.
