Commitments
Things that have to be covered.Rent, bills, subscriptions, family support.Money, made clearer
Know what
you can
actually spend.
Your balance tells you what is there. Stackt helps you see what is already spoken for, what you want to protect, and what is genuinely yours to use.
stackt.● Today
Morning, Tobi.
Safe to spend
₦200,000
after the money you have already given a job
Money available₦500,000
Already spoken for₦300,000
Commitments
₦180k
Savings
₦50k
Debt
₦70k
The real problem
Your money has
more than one job.
The money in your account is rarely all available. Some of it already belongs to rent, bills, debt, savings, family, transport, food, or the version of you who has plans for next week.
Debts
Money you owe and need to plan around.Visible, without pretending every debt is due today.Savings
Money you have decided not to spend.Goals, buffers and the things you are building towards.Spending
What is actually left for right now.This is the number Stackt helps you find.The question underneath it all
“Can I afford this?”
You should not need a spreadsheet, three banking apps and a mental calculation to answer that.
The Stackt answer
One number.
No guessing.
Safe to Spend takes the money you have and accounts for the jobs you have already given it. What remains is the number you can actually make decisions with.
Money available₦500,000
Commitments− ₦180,000
Savings protected− ₦50,000
Debt allocation− ₦70,000
Safe to Spend₦200,000
Life moves
What if something changes?
Test a choice before it becomes a transaction. Stackt lets you see what a spend, saving decision or new commitment does to the number that matters.
Safe to Spend now₦200,000
↓
If you spend ₦45,000₦155,000You see the impact before you decide.TToday
Morning, Tobi.
Your rent is covered, your savings plan is intact, and you have ₦200,000 safe to spend.
7 day streak+12 Stackt Coins
Not a generic dashboard
It knows it’s you.
Your money does not look like everybody else’s. Stackt remembers your plan, shows what changed, and brings you back to the decisions that matter to you.
Privacy by design
Yours.
Private.
Controlled.
In this early version of Stackt, your financial planning data stays on your device. Stackt does not connect to your bank account or move your money.
01
On your device
Your planning data is stored locally in your browser or installed app.
02
Your backup
You can export a backup and restore it when you need to.
03
Your control
You can clear your Stackt data from the app when you choose.
Inside Stackt
The toolkit around
your number.
Safe to Spend is the centre. Everything else helps you plan it, understand it and make better calls with it.
Money
Keep commitments, savings, debts and everyday spending in one clear view.
Plan incoming money
Decide what money should do before it even lands.
What comes first?
Rank needs, wants, debts and commitments when everything feels important.
Investments, explained
Understand returns, yield and the terms people usually make sound harder than they are.
Activity
See your patterns through charts, recent actions and what changed over time.
Keep showing up
Streaks and Stackt Coins make consistency visible without turning your money into a game.
Different income. Different life.
Same question.
What can I
actually spend?