Debt payoff, on autopilot

See the exact day
you'll be debt free.

STACKr maps every debt, builds your fastest payoff plan, and shows you your Freedom Date for free. When you're ready, you choose which debts to put on autopilot.

Join the waitlist → Free to see your plan
Bank level encryption Won't affect your credit score Free to plan
YOUR PAYOFF, VISUALIZED
Debt free, step by step to $0
$0 Today Freedom Date
The minimum payment trap

Minimums are designed to keep you paying.

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.

Years lost.
Thousands paid in interest.

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.

How it works

Three steps to your Freedom Date.

1

See everything.

Connect your accounts and STACKr finds your debts, from cards and loans to buy now pay later, and puts them in one clear place.

Free
2

Get your plan.

STACKr 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.

Free
3

Automate it.

Approve the plan, and STACKr handles the payments for you. We only charge for the debts you want us to automate, nothing else.

Pay only to automate
The math

The fastest way out, found for you.

STACKr targets your highest interest debt first, so more of every dollar kills the balance instead of feeding interest. Here's the shape of the difference.

Paying minimumsThe slow, expensive default
Years & years
With your STACKr planHighest interest first payoff
Free sooner

Illustrative comparison. STACKr shows your real timeline and interest saved once your debts are connected. Checking your debts uses a soft credit pull. It won't affect your credit score.

YOUR BALANCE, OVER TIME
Down to zero, faster.
Minimums Your STACKr plan Today $0 balance
Simple, honest pricing

Free to plan. Pay only to automate.

Your whole roadmap out of debt is free. Every balance, your strategy, and your Freedom Date cost you nothing. You only pay when you choose to put debts on autopilot.

Always free

See your way out.

Everything you need to build the plan, without paying a cent.

  • All your debts, in one clear place
  • Sort them: what to knock out, what to keep
  • Your personalized payoff roadmap
  • Your Freedom Date, the day you're debt free
À la carte

Automate what you want.

When you're ready, choose which debts to automate, and pay only for those.

  • Pay only for the debts you automate
  • Not a bundle, not a tier, just your debts
  • One debt or ten, pay for exactly what's on autopilot
  • Turn automation off anytime

No tiers to decode. No features locked behind a paywall. You pay for automation, and nothing else.

Built on trust

Your money, your call.

Bank level security.

Your connection is encrypted, and STACKr links to your bank read only to see balances, never to log in as you.

A soft check, never a ding.

Finding your debts uses a soft credit pull. It won't affect your credit score, look all you want.

Nothing moves without you.

You decide which debts to automate and approve the plan first. STACKr never moves money you haven't set up and signed off on.

Questions

Good questions, straight answers.

Is it really free?+

Yes. Seeing your debts, sorting them, your payoff plan, and your Freedom Date are all free. You only pay when you choose to automate payments, and only for the debts you automate.

Will this affect my credit score?+

No. STACKr uses a soft credit check to find your debts, which does not affect your credit score.

What debts can I add?+

Credit cards, personal loans, auto loans, student loans, and more, plus buy now pay later balances that other tools often miss.

How does automation work?+

When you're ready, you choose which debts to put on autopilot and approve the plan. From there, STACKr schedules the payments for you. You stay in control and can turn it off anytime.

Is my information secure?+

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.

When does STACKr launch?+

We're putting the finishing touches on it now. Join the waitlist to be first in line when we open the doors.

Your Freedom Date is waiting

Stop guessing. Start
knocking debt down.

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.