STACKr is agentic debt automation software. It builds your payoff plan, runs the weekly payments on the plan you approve, and times each one around your bills and your payday. Here is the whole thing, group by group.
Everything in this group costs nothing, with no card and no bank login.
Name, phone, date of birth, one text code. Balances, rates and minimum payments load automatically. No bank login needed for this step.
FreeCredit cards, store cards, buy now pay later, lines of credit, personal loans, student loans, auto loans, mortgages, medical debt, business loans, and more.
FreePick the debts you want gone. Cards you still use every day become Living Balances that STACKr never pays automatically.
FreeThe exact calendar day you will be debt-free, and your total interest saved (estimated).
FreeChange the weekly amount or pick a goal of 6, 9, 12, 18 or 24 months and watch the date move.
FreeDownload your full payoff plan, free.
FreeSeeing your Freedom Date and roadmap costs nothing. "I'll do it myself" keeps the account open.
FreeWhy weekly beats monthly, without raising what you spend.
One quarter of your monthly payment, every week. Card interest is charged daily, so the balance drops sooner.
52 weekly payments equal 13 monthly payments a year instead of 12, without raising your monthly budget.
The weekly amount can never drop below your minimum payment divided by 4.33, so minimums are met every month. If you start mid-month, the first payments include a small catch-up.
Every minimum is paid first. Everything extra goes to the highest-interest debt.
This is the agentic part. You approve the plan once, and STACKr runs it.
STACKr sends every weekly payment for you, from your own bank to your creditor.
Paid planSTACKr's agent picks the best day each week: after payday, clear of rent and bills. "Pick my best day" is a switch you control. It changes only the day, never the amount.
Paid plan24 hours ahead, STACKr checks your balance and warns you if it looks short. At payment time it checks again. If money is short, nothing is sent and nothing is charged. Add funds and tap Retry. Never a partial minimum payment.
Paid planOne connection through Plaid pays the subscription, funds the debt payments and powers round-ups. Assign different debts to different accounts if you want.
Paid planPurchases round up to the next dollar and the change rides along with your next weekly payment to your highest-rate debt. No extra fee.
Paid planAdd a debt whenever you need to. If it needs a bigger plan, STACKr shows you the plan it needs and asks you to approve it first.
Paid planWhat your debts are costing you right now (estimated).
FreeEach card's balance as a percent of its limit.
FreeYour whole plan on one screen: paid so far, left to go, interest saved (estimated).
FreeRecurring charges found in your bank activity, so you can see what you are paying for every month.
Paid planYour paydays and bills on one calendar, so you can see where each payment lands. Paydays are shown as "Payday," never an employer name.
Paid planA cushion you set. STACKr checks every payment against it.
Paid planEvery Sunday at 8 AM: a short video on the week in finances, plus your personal snapshot: debt paid, interest saved (estimated), top three spending categories, and your wins. Opt out any time.
FreeWhat STACKr is, and what it is not.
Payments move from your bank to your creditor through our licensed payment partner. STACKr has no pooled customer funds.
STACKr does not lend money or carry a balance.
STACKr does not negotiate with creditors or reduce what you owe. It pays your debts on the schedule you set.
Bank connection is handled by Plaid.
Sensitive data is scrubbed from monitoring and analytics.
Coming to STACKr after launch.
When something changes in your plan, STACKr shows one next step. One tap accepts it. Nothing changes without the tap.
Coming soonOpt in and STACKr makes three narrow adjustments on its own, inside limits you set, with notice before each one and one-tap undo. Autopilot never raises the amount taken from your bank.
Coming soonPlans are sized by how many debts STACKr pays for you. Nothing else changes between them: no features held back, no upsells.
| Plan | Debts STACKr pays | Per month |
|---|---|---|
| FreeFreedom Date and roadmap, unlimited debts on the list | 0 | $0 |
| Single | 1 | $9.49 |
| Double | 2 | $14.49 |
| Triple | 3 | $19.49 |
| Quad | 4 | $24.49 |
| Full Stack | 5 | $29.49 |
| Max Stack | 10 | $54.49 |
Free to see your whole picture and your Freedom Date. You pay only when you want STACKr to make the payments.
No card required. No spam. Just your spot in line.