StackUpp Gold
Basic is the competition. Gold plans your future.
Basic is free forever: your friends, your Challenges, the leaderboard, and every number that affects your rank. Gold takes what you've already entered and turns it into a plan: your net worth, your debt-free date, where each paycheck should go, and where retirement is heading.
14-day free trial. Pricing at launch. Gold can never buy a better rank.
Basic vs. Gold
What's in each.
Every input stays in Basic on purpose. Stack Rate is savings ÷ take-home pool, so if income, expenses or debt minimums were paywalled, a Basic member's rate would be wrong and the leaderboard would stop being fair.
- Friends, @usernames, profiles, awards, competition recordIncludedIncluded
- Join any challengeIncludedIncluded
- Host challenges1 at a timeUnlimited*
- Log Holes, Stacks, Sacks, Vault; holes-first pathIncludedIncluded
- Income (all household), expenses, hole minimums: the poolIncludedIncluded
- Expense list + editing; above/below-benchmark pillIncludedIncluded
- Payday card + remindersIncludedIncluded
- FHI score and levelIncludedIncluded
- Trail Guide + trail map, Next StepIncludedIncluded
- Security, export, delete, notificationsAlwaysIncluded
- Net worth—Included
- FHI pillars, peers by age, net worth, trend—Included
- Debt-free date / payoff plan—Included
- Paycheck planner—Included
- Assets: cars, home, equity, depreciation—Included
- Retirement projection—Included
- This Month by pot—Included
- Spending benchmarks vs. people near you—Included
- Insights / ranked recommendations—Included
- Add your teens: StackUpp Teens is included with Gold—Included
*Invitees always join free. Never Gold: anything that changes rank or Stack Rate, security, and data export.
14
days free
Long enough to see a payday, build a paycheck plan and log it. Offered once at sign-up, never required.
0
rank advantage
Gold can never buy a better score. Everything that affects Stack Rate is in Basic.
∞
nothing lost
If Gold ends, everything you entered stays, and export is always free.
Gold status
A brushed gold ring. Six tiers. Private by default.
No pills, no badges shouting. A Gold member's avatar gets a brushed gold ring with a tier emblem in the corner, everywhere a person is drawn. Tenure counts from your first purchase and renewals never reset it.
You always see your own ring. Others see it only after you turn on "Show my Gold status". It's display only: it never changes rank, Stack Rate or points.
1
Gold Leaf
on joining
2
Gold Flake
after 3 months
3
Gold Nugget
after 6 months
4
Gold Coin
after 1 year
5
Gold Bar
after 2 years
6
Gold Summit
after 3 years
Founding members get a second, finer ring.
New in Gold
The same climb, started at a first job.
Add your teens: StackUpp Teens is included with Gold. Ages 13–17 get Stacks, Vault, Sacks and challenges with friends, ranked on points. You see their money, approve every friend and log gifts. Teens never pay for anything.
Compete free. Plan with Gold.
Gold is an optional auto-renewing subscription bought through Apple. Manage or cancel it in your Apple Account settings.