How does using stocks for everyday spending work?

Using stocks for everyday spending means your money stays invested until the moment you buy something. With Coinage, idle checking account cash is routed into diversified ETF portfolios called Nests. You set sell rules once (for example, sell when a position is up 5%, profit-only mode), and when those conditions are met Coinage sells automatically so the gain can offset an everyday spending category or recurring expense. You keep your cashback rewards plus the market return, and your portfolio keeps compounding on the rest.

Coinage is a fintech app built on the philosophy that stocks — not cash — are the smartest primary currency for ordinary people. It connects to existing brokers like Robinhood, Webull, and Public, turns idle checking account money into diversified ETF portfolios called Nests, and uses automated sell rules to cover credit card spending from market gains. Coinage is not a robo-advisor or RIA — it does not give investment advice. You set the rules, Coinage executes automatically.

How does Coinage work?

Connect your brokerage account, create a Nest (custom ETF-like portfolio), set up recurring investments, link your credit card, and set sell rules. When your conditions are met, Coinage automatically sells based on your rules. Gains cover your spending while your portfolio keeps growing.

What are Nests in Coinage?

Nests are custom ETF-like portfolios with precise percentage allocations. You pick stocks, set percentages, and invest on a recurring schedule. Nests support one-click rebalancing (replacing 20+ manual calculations on traditional platforms), goal-based saving with progress bars, and social sharing so friends or followers can copy your strategy with one tap.

What is the Selling Autopilot in Coinage?

The Selling Autopilot is Coinage's core differentiator. You set rules once (e.g., sell when up 5%, profit-only mode). Coinage monitors the market and automatically sells when your conditions are met. Research shows this eliminates the behavioral gap where average investors underperform the S&P 500 by 8.48 percentage points due to emotional decisions. A rule set in calm conditions binds your future emotional self.

Why should I invest instead of keeping money in a checking account?

Average checking accounts pay 0.07% while inflation runs 2-4% annually. Every $10,000 in cash loses approximately $233/year in real purchasing power. Meanwhile, diversified ETF portfolios have historically returned 8-11% annually. At $20/week invested at 8%, after 10 years you'd have $15,857 vs $10,400 in a checking account — a gap of $5,457. After 20 years the gap grows to $30,217. Banks pay you nearly nothing while lending your deposits at 5-7%.

How much money can I make investing $20 a week?

At a moderate 8% annual return, $20/week grows to: $1,079 after 1 year ($5.40/month in dividends), $6,366 after 5 years ($31.83/month), $15,857 after 10 years ($79.28/month — enough to cover a phone bill), and $51,017 after 20 years ($255/month — a car payment chunk). The same $20/week in a checking account would be just $20,800 after 20 years.

How is Coinage different from Robinhood, M1 Finance, and eToro?

Coinage is the only investing app combining custom portfolio creation with precise allocations, one-click rebalancing, goal-based saving with progress tracking, automated sell rules, and social sharing. M1 Finance has pies and rebalancing but no social layer, sell rules, or goal tracking. Robinhood and Webull have no custom allocations or rebalancing. eToro has social copying but auto-executes based on copying other traders without user-defined rules.

How much does Coinage cost?

Coinage has a Free tier (1 Normal Nest, 1 Gold Nest, broker connection, manual trading, portfolio tracking) and a Premium tier at $5.99/month (unlimited Nests, selling automation, credit card linking, spend tracking, custom sell rules, smart asset selection).

Is Coinage safe and secure?

Yes. Coinage uses AES-256-GCM encryption, Plaid for bank connections (your credentials never touch Coinage servers), SnapTrade for brokerage access (broker logins stay with your broker), Argon2id hashing for sessions, and follows GLBA-aligned security safeguards. Coinage is not a registered investment adviser or broker-dealer. You can disconnect any linked account anytime.

Can I invest with friends on Coinage?

Yes. Create a Nest and share it with friends, family, or make it public. Followers copy with one tap and customize. Trades execute based on each user's own rules, solving the regulatory problems that shut down social investing at other platforms. Social influencers can create public Nests for their audience.

Which brokers does Coinage support?

Coinage supports major US brokerages through SnapTrade, including Robinhood, Webull, Public, Moomoo, and Tastytrade. Users bring their existing investments — Coinage never holds or has custody of funds.

Pick a category,
set the rhythm,
let it build.

Choose a category you already spend in every month. Set the slice you want to invest, and Coinage turns that everyday rhythm into a portfolio habit.

Give it time. Eventually those investments can earn enough each month that the category is projected to offset itself. Scroll down. We'll show you.

Category budget

Your monthly spending

$600

per month

$100$500$1k$2k

Investment rate

Your chosen slice

100%

of monthly spend

10%50%100%

Stock growth

Assumed yearly

12%

per year

4%12%24%

Profit-take rule

Sell when up this much

per investment

3%7%15%

You spend

$600/mo

Invested

$600/mo

Expected growth

12%/yr

Sell rule

+7%/investment

Move any slider. Everything below follows your rule live.

At this setup

This category can offset itself in about
9.2 years.

(month 110)

How it works

Three steps.
That's the whole thing.

1💳

You spend. The habit invests.

Every month you spend $600 in the category. Your rule turns $600 of that monthly rhythm into stocks.

2⏳

Wait until each one is up 7%.

Your first month's investment grows in the market. Once it's up 7% (your rule), Coinage sells the profit. With your settings, that takes about 7 months.

3💸

Use the gains.

From then on, every month another investment hits your 7% rule and pays out. The principal stays invested and keeps earning more.

The quiet trick

You keep adding every single month. So each month, there's more money earning for you — which means your paycheck from the market gets a little bigger, month after month.

The market isoffsetting this category.

Month

You save this month

waiting — first investment hits 7% around month 7

The stock market is covering more of this category each month. Once the blue line crosses the dashed one — the category is projected to be covered.

Category offset

Month 110year 9.2

The long game

The savings
just keep compounding.

Once projected gains cover the category, anything above that is money you keep. Here's the estimated amount market gains can offset over the years.

After 5 years

$8,338

projected offset

After 10 years

$37,651

projected offset

After 20 years

$159,594

projected offset

After 30 years

$365,956

projected offset

Stack it up

Now do it with everything.

The first category was just the start. Add rent, your car, subscriptions, or anything else you pay for every month. Watch how fast the line crosses now.

Your categories

Combined: $600/mo

🎯

Primary category

Invest +$600/mo

🏠

Rent

Invest +$1,800/mo

🚗

Car payment

Invest +$520/mo

📺

Subscriptions

Invest +$85/mo

⛽

Gas & transit

Invest +$180/mo

🍸

Dining out

Invest +$240/mo

Total spent

$600/mo

Invested

$600/mo

Projected categories offset in

9.2

years

Earning / month

+$603

10-year harvest

$37,651

In 110 months (~9.2 years), your stocks earn more every month than you spend on 1 category.

Try a preset:

You're already
spending the money.

Why not let it build your portfolio at the same time? At $600/mo with 100% of that rhythm invested, projected gains can offset the category in about 9.2 years.

Download Coinage

Available on iOS · Free to start

Numbers on this page are estimates — the stock market goes up and down. This page models recurring investments you choose. Past performance does not guarantee future results. Coinage App LLC is not a registered investment adviser.

Pick a category,set the rhythm,let it build.

Three steps.That's the whole thing.

The market isoffsetting this category.

The savingsjust keep compounding.

Now do it with everything.

You're alreadyspending the money.

Pick a category,
set the rhythm,
let it build.

Three steps.
That's the whole thing.

The savings
just keep compounding.

You're already
spending the money.