stackt
Finance that works for today, not yesterday.
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Welcome to Stackt.

Know what you can actually spend.

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What should we call you?

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Your email?

Used for your profile and important Stackt notices. In this Early Access version, your financial entries still stay on this device.

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And your phone number?

Optional. You can add or change it later in Profile.

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Lock it with a PIN.

A 4 digit PIN gives this device a local screen lock. It is for privacy, not bank grade authentication.

Next, Stackt will give you a recovery code. Save it somewhere outside the app.

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KEEP THIS SAFE

Your Stackt recovery code.

If you forget your PIN, this is the only way to create a new one without resetting information saved in Stackt.

Creating your code...

Stackt cannot retrieve this code for you. Keep it somewhere you can access even if you cannot get into Stackt.

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How does money usually come to you?

Choose all that apply. This helps Stackt speak your money language from the start.

Coming upWhat needs your attention next
You're 0% there
What changed
Money available ₦0 · Expenses ₦0 · Savings ₦0
WHAT CHANGED

Activity

The story behind your number, not another bank statement.

Spent this cycle
₦0
Everything logged as spent since this cycle began.
TodayWhat changed and what it means
7-day rhythmYour spending, day by day
₦0
Money runway
This week
What changed
By category
By bucket
MONEY MOVES

Transactions

Every amount you have logged, without the interpretation.

Money

Everything your money is carrying, at a glance.

INVESTMENT, WITHOUT THE BIG GRAMMAR

Make the money words make sense.

Learn the common ways people invest, what the terms mean, and how to check the maths yourself.

Educational only, not a recommendation. Returns can go up, down, or disappear. Always check fees, taxes, access to your money and the actual provider before investing.
Pick a lane to learn
The terms, in human language
PrincipalThe money you put in.
ReturnHow much you gained or lost overall.
YieldIncome earned compared with the amount invested, often shown yearly.
InterestMoney paid for using your money.
DividendA company sharing some profit with shareholders.
Capital gainYou sold for more than you paid.
MaturityThe date a fixed-term investment is due to end or repay.
LiquidityHow quickly you can turn it back into usable cash.
VolatilityHow sharply the price moves up and down.
DiversificationNot making one investment carry your whole future.
InflationWhy a return can look positive but still lose purchasing power.
CompoundingReturns earning more returns over time.
Check the maths
What was my total return?

Use what you put in, what it is worth now, plus any income you received.

What is my income yield?

Yield is not the same as total return. This compares income received with the amount invested.

Before you tap “invest” anywhere: What can I lose? When can I get my money back? What fees reduce the return? Who regulates or stands behind the provider? Do I understand how the return is actually made?
WHAT COMES FIRST?

When everything wants your money.

Put needs, wants, debts and commitments in one pile. Stackt helps you rank them by urgency and consequence, not guilt.

Add something competing for your money
How Stackt ranks: basic needs and real obligations start higher, then timing and the consequence of delay move things up or down. A debt is not automatically “pay everything now” if it is not due from this money cycle.
Your order right now
BEFORE IT LANDS

Give future money a job first.

Salary, invoice, refund, gift, side gig. Map it before it arrives, without pretending it is already in your wallet.

Important: plans here never increase your balance or Safe to Spend. The money is still future money until you actually receive and record it.
What are you expecting?
If it lands, how should it move?

Use percentages. Leave some unallocated if you are not sure yet.

Plans waiting for money

New debt

This just tracks what's owed. It won't touch Safe to Spend until you log a real payment against it.

Who is it owed to?
Original amount
₦
Due date (optional)
Notes (optional)

Debt

Payment amount
₦

New goal

What's it for?
Target amount
₦
Target date

Goal

Add how much you've set aside
₦

Update my money

What changed?

₦

What's it for?

This decides whether it changes what's genuinely free to spend, or just moves through a bucket that was already accounted for.

Updated

Before
₦0
Now
₦0

Does your balance match?

We currently show ₦0. What's actually there?

₦

Start your next cycle

Leftover from the last cycle: ₦0. Decide what carries forward.

Balance to start this new cycle with
₦
How many days should this one last?
YOU

Profile

Your profile
Saved on this device
Phone
Not added
Avatar
Default
Settings
Backups, updates, privacy and app controls

Edit profile

Update what Stackt calls you and the details saved on this device.

Name
Email
Phone (optional)
APP CONTROLS

Settings

Keep the useful controls here, not mixed into your profile.

Profile + Settings build · Aug 15
Money
Edit your estimates
Commitments, everyday spending and protected savings
Update my money
Money in, money out or balance correction
Appearance
Theme
Choose how Stackt looks on this device.
Data & security
Export your data
Save a backup to this device
Import a backup
Restore from an exported file
Local screen lock
Change your four-digit privacy passcode
Recovery code
Create a recovery code so a forgotten passcode does not mean losing your Stackt data.
Stackt app
Install Stackt
Add Stackt to your home screen
Check for updates
Look for the newest Stackt version
Privacy and terms
Read Stackt's current legal information
Help & guidance
How to use Stackt
A simple guide to setup, Safe to Spend, transactions, backups and installing the app
FAQs
Quick answers about your number, privacy, passcodes, recovery and offline use
Reset
Redo setup
Redo your current money setup
Start over completely
Clears everything on this device

Your financial entries and profile data are stored locally on this device. Keep your recovery code somewhere safe and export backups before clearing your browser or switching phones. There is no cloud account recovery yet.

Update your estimates

Your best current numbers, this replaces what you told us before.

Total commitments this cycle
₦
Everyday spending estimate
₦
Protected savings
₦
Enter your recovery code

Use the code you saved when you set up your Stackt passcode.