About Stacko
Most of us learn about money the hard way.
A loan that seemed manageable at 23. Credit card debt that grew while life got busy. Conversations with a partner about the state of the finances that ended in silence or resentment.
Stacko was born from exactly that place.
My relationship with money, like most people's, wasn't shaped by a financial planner or a spreadsheet. It was shaped by decisions — some thoughtful, some reactive, a lot of them, expensive. Some of those decisions worked out. Others carried consequences that took years to recover from.
The hardest part wasn't always the money. It was the emotion around it too.
The conversations in my marriage. The stress around our next move or about our future. Not because we were irresponsible or reckless — but because neither of us had ever really been taught how to have a healthy relationship with money.
Looking back now, I can see those conversations could have been different. We could have been clearer, calmer and more hopeful. We just needed something to help us see.
That's what Stacko is.
On debt — a word of honesty.
We're not fans of debt. There, we said it. But that's not the whole story.
Debt isn't one thing. A credit card balance you're carrying month to month, quietly accumulating interest at 20-something percent, that's a drain. A personal loan to cover a holiday or a new couch, probably not your wealth's best friend. These kinds of debt cost you more than you realise, and they tend to stick around longer than they should.
But a home loan? That's a different conversation. Borrowing to buy property, at sensible terms, in a market you understand, is one of the few cases where debt can genuinely work in your favour. You're building equity over time. You're living somewhere you own. Done right, it's one of the most powerful financial moves an ordinary person can make.
The distinction matters. Not all debt is bad. But a lot of the debt most of us carry every day absolutely is.
That's why we built debt into the heart of how Stacko works, not as an afterthought. When you enter your debts into Stacko, the tool doesn't just list them. It models them. It works out the most efficient order to pay them off, tackling your most expensive debt first and automatically rolling those freed-up repayments into the next one as each balance clears. Month by month, you can see exactly when each debt falls away, what it's costing you in interest while it's there, and how much faster everything moves when you put even a little extra towards it. Your home loan sits separately, managed on its own terms, with its own amortisation, because paying off your bond and clearing a credit card are fundamentally different goals.
The result is a clear picture of your debt journey from today to done. Not a vague sense that you should probably pay things off faster. An actual plan, with numbers, and a finish line you can see.
It's not a financial adviser. It's not about telling people what they should do.
It's a tool built to help you see: to understand your income, expenses, debt and goals in a way that makes financial decisions feel less overwhelming and more possible.
Something that shows you what your choices mean in real terms. Something that makes finance feel less like a subject you were never taught and more like a picture you can finally understand.
We built Stacko for the person who's earning, spending and trying their best but still feels unsure where it all goes and how this all works out.
For the 25-year-old with no idea what their money is actually doing.
For the couple trying to get on the same page.
For the person who wants less stress and more clarity.
You don't need to be wealthy to think wisely about money. You just need a clearer view.
That's why we are here.
Questions? hello@stacko.money