Life admin, in stages

Five stages. Nine milestones. One celebration each.

You pick a stage at sign-up. Grownz tracks the milestones that unlock the next one and tells you what is left, on Home, every day.

Start free Start at stage 1

First Job
Getting Stable
Growing
Building Wealth
Big Commitments

Stage 1 of 5

First Job

Earning for the first time, sorting out the basics.

Everyone starts here. A payslip with a gross and a net figure, a base currency, and the habit of logging what you spend. Grownz asks for 3 things at sign-up and nothing else.

Where everyone starts

No milestones needed. Pick it at sign-up and go.

Read: How to read your first payslip

A young graduate outside an office holding up a phone and an envelope

Daily expenses screen — Log an expense in seconds.

Learn screen — How to read your first payslip, 3 minutes.

Stage 2 of 5

Getting Stable

Bills under control, starting to save.

Budgets for every category, bills that raise their own reminders, and a first month closed in Month in Review. The savings rate appears for the first time.

Unlocks when

Profile and base currency set
First expense logged

Read: Emergency fund in 5 steps

A woman sorting bills into a folder while checking her phone

Money screen — Budgets against spending, category by category.

Reminders screen — Bills, renewals and tasks with recurrence.

Stage 3 of 5

Growing

Saving steadily, thinking about what comes next.

An emergency fund takes shape and the Rat Race Exit Planner starts to matter. Month in Review names the largest overspend and the best-controlled category each month.

Unlocks when

Budgets set for every category
First month closed

Read: Rent vs Buy: the real math · Term life vs everything else

A man watering a plant on a windowsill while glancing at his phone

Month in Review screen — 7 insights, then close the month.

Goals screen — Saving for something specific.

Stage 4 of 5

Building Wealth

Emergency fund and insurance in place, assets growing.

Holdings across 7 asset classes, cover across 4 policy types, and a first asset that pays. The freedom ratio moves from starting to building.

Unlocks when

Emergency fund complete
Insurance floor complete

Read: Passive income: what counts

A couple at a kitchen island reviewing a phone together

Grow screen — Holdings, loans, policies and the emergency fund.

Insurance screen — Cover gaps and renewals.

Stage 5 of 5

Big Commitments

A home, a family, or a business on the horizon.

A down payment funded, a home loan understood month by month, family sharing for a partner or parent, and a freedom ratio climbing past 25% toward the Rat Race Exit.

Unlocks when

First income-paying asset added
Freedom ratio above 25%
Down payment fund complete

Read: How EMIs and mortgages work

A family of four on a front step with a new house key

Housing screen — Rent versus buy, EMI split, Prepayment Lab.

In design

Stages become the spine of the app.

You pick a stage on the second onboarding screen. From then on every tab knows what unlocks the next one, and notifications tell you the moment a milestone lands.