Skip to main content

Beta — Stacko is an early version. Your feedback helps shape the product.

Stack the odds in your favour.

Budget the month, map out your debt, and see exactly where you're headed at retirement. On your own or with your partner.

See a sample dashboard

Free to start. The sample needs no sign-up.

Sample dataOverview

Morning, Luthando. You're R 1 180 under budget this month.

Net worth
R1.24M
+R96k this year
Debt-free
Mar 2029
8 months sooner
Money lasts to
Age 93
on current plan
Net worth, age 32 to 95+ Side hustle
32Retire 6595
AIYour store card is on track to be settled in May. From June, R 1 450 a month is no longer committed to debt.

Illustrative example. Based on current assumptions — your actual results will differ.

Built around where you liveLocal interest ratesLocal tax rulesTax-free savings limitsYour currency

How Stacko works

Solid finances are built one layer at a time.

Get today right, and tomorrow gets easier. Stacko takes you from this month's budget all the way to retirement, in the right order.

  1. 01 · BUDGET

    Give every rand a job.

    Set up income and expenses in minutes. List what you own and what you owe.

  2. 02 · DEBT

    See your debt in order.

    Stacko ranks your debts by interest rate and shows what settling the costly ones first would mean.

  3. 03 · TRACK

    Stick to the plan. Actually.

    Upload your bank statements and see where you stayed on budget, and where it slipped.

  4. 04 · 12 MONTHS

    See the year coming.

    Holidays, a wedding, a new baby. Plan for them now, and see the month each debt is gone.

  5. 05 · LIFETIME

    Retirement. And beyond.

    Varsity fees, downsizing, the age your money runs out. Plus AI insights that explain your numbers.

Debt calculator

A little extra goes a long way.

Drag the slider. That's what a few hundred rand more a month does to a R45,000 credit card at 21%.

R 0On top of the R 1 500 minimumR 3 000
Interest saved
R 9 844
Paid off sooner
1 yr 9 mo

Debt-free in 1 year 10 months instead of 3 years 7 months.

Illustrative example. Based on current assumptions — your actual results will differ.

Scenarios

What if…?

Test the big decisions before you make them. See what each one does to your retirement, in money and years.

Net worth at retirement
R70.3m
+R9.5m vs current plan
Money lasts to
Age 90+
No change
354555657585
- - Current plan— Side hustle, R3,500 a monthShaded: ±10%¦ Retire 62

Illustrative example. Based on current assumptions — your actual results will differ.

For couples

Mine. Yours. Ours.

Link with your partner. Keep your own picture, and see the combined one in a click.

Net worth
R2.6m
Monthly surplus
R 14 460
Debt-free
2028

Snapshots

Your money before & after.

Snap your finances today. Come back in six months and see if you're ahead of the plan. Like a progress photo, for your money.

March 2026
R1.08m
R212k debt
October 2026
R1.24m
R168k debt · ahead of plan

Free tools

Big money questions, answered free.

No account needed.

Start stacking.

Your full picture, one layer at a time. Free to start.

See a sample first