STACKr is agentic debt automation software. It maps every debt, builds your fastest payoff plan, and shows you your Freedom Date for free. When you're ready, it runs the payments for you on the plan you approve.
Most money apps hand you a chart and leave the rest to you. STACKr is software that acts. Here is exactly what it acts on.
STACKr reads every debt you connect and works out the order that clears them fastest. You don't build a spreadsheet or pick a strategy.
On the plan you approve, STACKr sends the weekly payments to your creditors itself. You approve the plan once, not every payment.
Each weekly payment is timed around your bills and your payday, so money leaves your account after it arrives and before your other bills land.
Nothing moves until you approve the plan, and you can turn automation off at any time.
The short version of what you get. The full list, in plain words, is on the features page.
Every debt found from your name, phone, date of birth and one text code. Your Knockout List, your Freedom Date, your plan PDF. Free.
Free 2One quarter of your monthly payment every week. 52 weeks equals 13 monthly payments a year instead of 12. Minimums always covered.
The method 3Automated weekly payments, timed around your bills and payday. A safety check before every one. Round-ups ride along. One bank connection.
Paid plans 4Interest cost, card utilization, your Debt Payoff Summary, a subscription finder, a bill and payday calendar, a safe-to-pay cushion, and your Week in Review.
At launch 5STACKr never holds your money and never sees your bank login. Not a lender. It pays your debts on the schedule you set.
True todayAll five groups in full, the two coming soon, and the plans table.
Features page →When you only pay the minimum, most of your money goes to interest, not the balance. A few thousand dollars can take decades to clear and cost thousands more than you borrowed. STACKr is built to break that cycle.
That's what minimum only payoff looks like for a typical revolving balance. STACKr finds the fastest way out instead.
Illustrative. Your real numbers depend on your balances and rates.
Connect your accounts and STACKr finds your debts, from cards and loans to buy now pay later, and puts them in one clear place.
FreeSTACKr builds your fastest payoff route, sorts what to knock out first, and shows you your Freedom Date, the exact day you'll be debt free. All free.
FreeApprove the plan, and STACKr handles the payments for you. Its agent picks the best day each week, after payday and clear of your bills. Spare change from round-ups rides along. We only charge for the debts you want us to automate.
STACKr targets your highest interest debt first, so more of every dollar kills the balance instead of feeding interest. Here are two worked examples.
Both examples are illustrative and the interest figures are estimated. STACKr shows your real timeline and your own Freedom Date once your debts are connected. Finding your debts uses a soft inquiry, not a hard credit check.
Seeing every debt you owe, sorting them, and finding your Freedom Date costs nothing. You pay when you want STACKr to actually run it.
Everything you need to build the plan, without paying a cent.
Plans 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 | 0 | $0 |
| Single | 1 | $9.49 |
| Double | 2 | $14.49 |
| Triple | 3 | $19.49 |
| Quad | 4 | $24.49 |
| Full Stack | 5 | $29.49 |
| Max StackAll of it, one price | Up to 10 | $54.49 |
Every plan does the same thing: weekly payments on the debts you're knocking out, and a running balance on the ones you're still using. Monthly billing by bank debit, no credit card needed, no annual commitment. Cancel in one tap in Settings. Cancelling stops future charges, and your access runs through the month you paid for. See every feature →
Your connection is encrypted, and STACKr links to your bank read only to see balances, never to log in as you.
Finding your debts uses a soft inquiry, not a hard credit check. Look all you want.
You decide which debts to automate and approve the plan first. STACKr never moves money you haven't set up and signed off on.
Yes. Seeing your debts, sorting them, your payoff plan, and your Freedom Date are all free. You pay only if you want STACKr to manage debts for you, and the plan you pick is sized to how many.
Any debt you hand to STACKr. A debt takes one slot whether we're making weekly payments on it or just keeping its balance current, because either way we're refreshing it for you. Debts you're only looking at in your free roadmap don't count.
Weekly, on everything you put on your Knockout List. Paying weekly instead of monthly means interest stops compounding on money you've already sent. Debts you're still spending on sit in Living Balances, where we track them but never pay them automatically.
No. Finding your debts uses a soft inquiry, not a hard credit check. All it needs is your name, phone, date of birth and one text code.
14 types: credit cards, store cards, buy now pay later, lines of credit, personal loans, student loans, auto loans, mortgages, medical debt, business loans, and more.
It means the software acts for you instead of just showing you a chart. STACKr builds the payoff plan, and once you approve it, STACKr runs the weekly payments itself and times each one around your bills and your payday. You approve the plan, not every payment.
When you're ready, you choose which debts STACKr should manage and approve the plan. From there, STACKr sends the payments for you on that plan. You stay in control and can turn it off whenever you want.
Purchases round up to the next dollar and the change rides along with your next weekly payment to your highest-rate debt. No extra fee.
24 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.
Yes. The subscription finder shows recurring charges found in your bank activity, so you can see what you are paying for every month.
Every 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.
No. Payments move from your bank to your creditor through our licensed payment partner. STACKr has no pooled customer funds, does not lend money, and does not carry a balance.
Two things, with no date yet. Coach suggestions: when something changes in your plan, STACKr shows one next step, and one tap accepts it. Nothing changes without the tap. And Autopilot: opt 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.
Your connection is encrypted, and STACKr connects to your bank read only. It can see your balances but never logs in as you or stores your bank password.
We're putting the finishing touches on it now. Join the waitlist to be first in line when we open the doors.
See every debt, get your fastest payoff plan, and find out exactly when you'll be free. Free to start.
No card required. No spam. Just your spot in line.