STACKr automates smart weekly payments toward your debts and tracks your progress every day. You pay off cards faster, save thousands in interest, and actually feel like you're winning.
Connect once. Then check in daily for fresh insights, weekly payment confirmations, and milestone wins as your debt shrinks in real time.
Securely link your bank and your debts in under 5 minutes. We see what you owe, who you owe it to, and where you can pay from. Encrypted, bank-grade, read-only.
STACKr calculates your "Safe-to-Pay" amount every day based on your actual cash flow and allocates it to your highest-interest debt. Every week, the accumulated amount gets sent to your creditor as a single payment.
STACKr shows you the exact date you'll be debt-free and updates it as you go. Every payment moves the date sooner — so you can finally see the finish line.
The truth is brutal but the fix is simple. Here's how weekly payments — instead of one monthly minimum — change everything.
"Compound interest works two ways. When you owe money, daily interest accrues on your balance. The longer you carry the debt, the more you pay. Minimum payments barely outpace the interest. STACKr flips the cycle."
When you pay every week instead of once a month, you knock down your principal faster — and every weekly payment hits before another full month of interest accrues. Less principal means less interest building tomorrow. Less interest means more of your next payment goes to principal. The cycle reverses — in your favor.
See exactly how much time and money STACKr could save you. Math runs in your browser. Nothing is sent anywhere.
We orchestrate payments. We don't hold your cash. We don't lend money. We don't charge interest. We're a software company that automates payments — that's it.
Every plan includes a 30-day free trial. No credit card required to start.
Pay $149 one time. Get permanent Accelerator-tier access. No monthly bills, no renewals, no price increases — ever.
Your bank connects via Plaid. Payments flow directly from your bank, through Method Financial (our payments partner), to your creditors. STACKr never holds your money — we orchestrate the timing and amounts, but the cash goes bank → creditor on rails we don't control. That's why we don't need a money transmitter license and why we're structurally different from companies like Tally.
STACKr calculates a daily "Safe-to-Pay" allocation based on your real cash flow, then sends the accumulated amount to your creditors weekly. We never overdraw your account. If your income drops mid-week, future allocations adjust automatically. You can also pause automation anytime — your debts stay tracked but payments stop firing.
Credit cards, personal loans, auto loans, student loans, lines of credit, medical debt, and BNPL accounts (Klarna, Afterpay, Affirm, Sezzle — Accelerator tier and above). Mortgages can be tracked but not automated. If we can find it on Plaid or you can add it manually, we can pay it down.
No. Your subscription covers everything. No payment fees, no transfer fees, no hidden anything. The money you send to creditors goes to creditors — 100%.
Yes. Cancel from settings in two clicks. Your data stays accessible for 30 days in case you change your mind. No retention games, no cancellation phone calls, no hidden steps.
When STACKr launches, you'll pick a plan at sign-up with a 30-day free trial — we won't charge anything for the first 30 days. Cancel before the trial ends and you pay nothing. You'll be able to change plans or cancel at any time.
All your debts get tracked on every plan — even Starter tracks unlimited debts. Only the automation cap differs. If you're on Momentum with 4 cards, two get automated and the other two stay tracked. Upgrade anytime to automate more.
Yes. We use Plaid for all bank connections (the same infrastructure used by Venmo, Chime, Robinhood, and most modern fintech). Your bank credentials never touch our servers. Data is encrypted in transit and at rest. We don't sell your data, ever.
We're putting the finishing touches on STACKr. Join the waitlist and we'll email you the moment you can start getting out of debt.
No spam — we'll only email you about launch. Privacy
We'll email you the moment STACKr opens. Thanks for being early.