Features
Everything you need to climb. Nothing that climbs for you.
StackUpp is built to be fun, and it makes you do the work to understand your own money. Here's what's inside.
Compete
Challenges with the people you'd actually tell.
- Challenges with friends, family or coworkers. Invite by link or code, with start and end dates.
- Leaderboard with a podium, ranked by Stack Rate. Also views for Amount Saved and Momentum, plus rank changes and streaks.
- Friends, @usernames and profiles, including a public competition record and your awards.
- Notifications for things like "You're 3rd, Taylor is only 5% ahead", friends joining, and streaks.
Your money, your way
Four pots, one pool, and a map of the trail.
Holes, Stacks, Vault and Sacks
Each pot has its own progress art. Log payments and savings in seconds.
Your take-home pool
All household paychecks, expenses and debt minimums. This is what makes Stack Rate fair.
Payday card and reminders
Paycheck contributions to retirement, with employer match, so the Vault fills on schedule.
Checking, 529 and kids’ accounts
Account owners: you, your spouse, joint, or a child.
Net worth
Including assets such as your home, car and stock equity, with value history.
Financial Health Index (FHI)
A score and level, plus pillars that show where to focus next.
Trail Guide and trail map
Short lessons: why holes come first, snowball vs. avalanche, what comes after the holes. And a "Next Step" that’s always yours.
Privacy is the product
Private by default. Shared only on purpose.
- Your amounts are private by default. Friends see your rate, not your dollars, unless you choose to share them, one Challenge at a time.
- Expenses are private by default, and sharing is per group.
- No bank logins, ever. No tracking. Phone numbers are never shown to other members.
- Security: sign in with Apple, passkeys or an authenticator app (MFA on every account), an app PIN and Face ID lock.
- Delete your account and all its data from inside the app at any time.
For families
Add your teens with StackUpp Gold.
Ages 13–17 get Stacks, Vault, Sacks and challenges with friends, ranked on points. Nobody can find them, friends never see their dollars, and you approve every friend. Log gifts they open like a present.
Learn about StackUpp TeensStackUpp Gold
Basic is the competition. Gold plans your future.
Gold adds net worth, FHI pillars and peer comparisons, the debt-free date and payoff plan, the paycheck planner, assets and equity, the retirement projection, this month by pot, spending benchmarks and ranked insights. It also allows unlimited hosted challenges. 14-day free trial. Gold can never buy a better rank.
Compare Basic and Gold