Budget + optimization · in private beta

What's your wallet leaving on the table?

Stack is a budget app that pays you back. Track every dollar coming in. Maximize on every dollar going out. Both halves of your money, one app.

Waitlist opens soon.
A spot in the closed beta is coming. Watch this space.

First 1,000 paid Founding Members receive Stack Pro for $89.99/yr, for life. An additional 250 Lifetime Founder slots are available for $249, one‑time.
30‑day Pro Trial included on all annual memberships. Founding Members will be charged $89.99 on day 30 unless you switch to monthly, free, or cancel. All annual memberships come with a 7‑day refund policy, one click, no questions asked. Waitlist offers the first invitations and does not guarantee a slot. No credit card required to join waitlist.

Max · just now
$87 dinner at Carbone. Which card?
USE THE
Amex Gold.
4× Membership Rewards. 348 pts.
Why this over Sapphire? ›
Spend caps · 3 active
Amex Gold · US Supermarkets
$24,200 / $25,000
~2 weeks until cap. Drops 4× to 1×.
Citi Custom Cash · Restaurants
$420 / $500
$80 left at 5% this month.
Freedom Flex · Q4 PayPal 5%
$890 / $1,500
~6 weeks of headroom.
01 · The problem

They've turned your wallet into a game, and it's tired you out.

Every one of these is a daily problem you've probably experienced for years. Stack is the budget app built around solving them.

i.
Standing at the register, blank.
Sapphire Preferred for dining, but is this dining? Is the Amex Gold's cap maxed? You picked one, swiped, and immediately doubted yourself. Stack answers in one tap, before you tap.
ii.
The spreadsheet that became a chore.
It started as a clever Notion page. Quarterly categories, 5/24, statement credits, sign‑up bonus thresholds. Now updating it costs more time than the rewards it tracks. Spreadsheet refugees: this was built for you.
iii.
Your Amex airline credit expired Tuesday.
$200 left behind because nothing reminded you. The dining credit, the hotel benefits, the last minute concert tickets you almost forgot to book. Stack tracks every statement credit and gives you a friendly reminder to use it.
iv.
NerdWallet works for whoever pays them.
"Best card for groceries" is the card with the biggest affiliate payout to NerdWallet. You know this. You've stopped trusting them. We don't weight recommendations by affiliate payout. Ever. (See the pledge below.)
02 · What Stack does

Two questions you're tired of answering. Stack answers them for you.

Most apps focus on your household budget or optimizing your wallet. Stack believes in optimizing the entire budget. Every dollar should be put to work. Especially the expenses.

i.
Which card right now?

Ask Max.

Max is your in-app wallet assistant that helps you find the right card, at the right time. "Which card should I use for dinner?" Max answers with one card. "Use the Amex Gold." That's it. Max will explain the points math, cap headroom, second-best alternative, and the merchant category code if you want it. All there. All hidden until you tap.

Built for the person who wants the answer. And the partner who just wants the swipe to be right.

One‑tap answer Real bank data No bank link required Manual cards work too
Max · live data
$87 dinner at Carbone. Which card?
USE THE
Amex Gold.
4× Membership Rewards. 348 pts earned.
Why this over Sapphire Reserve? ›
ii.
When does my bonus run out?

The Cap Tracker.

Every category bonus you have, tracked in real time. Amex Gold burning through the $25k Grocery cap? Custom Cash 5% category maxed out for the month? Freedom Flex still has $1k in spending space for the quarter? Stack does the math. You see the bar. The moment you're closing in on the cap, we'll be there to tell you.

Live progress bars Estimated cap‑hit dates Per‑card configuration Statement credit reminders
Spend caps · live
Amex Gold · US Supermarkets
$24,200 / $25,000
~2 weeks until cap. Drops 4× to 1× at the line.
Citi Custom Cash · Restaurants
$420 / $500
$80 left at 5% this month, then 1×.
Freedom Flex · Q4 PayPal 5%
$890 / $1,500
~6 weeks of headroom. Plenty.
03 · Why now

Mint died. The replacements forgot the rewards.

Mint shut down in March 2024. 3.6 million people went looking. The replacements raised hundreds of millions to be a better budget tracker. Nobody bothered to ask which card. Stack is the budget app built for the half of the wallet they ignored.

App
Capital Raised
What it does
Mint
~$170M acq · $0 sunset
Free model. Couldn't sustain. Sunset March 2024.
Monarch
$94.8M raised
Beautiful budgeting. Doesn't touch credit‑card rewards.
Copilot
$11.1M raised
Prettiest budget app on iOS. Card‑blind.
MaxRewards
$3.3M raised
Card optimization. No budget tracking.
CardPointers
Bootstrap
No bank link required. Manual everything. Loved on r/CreditCards.
Stack
2026
Both halves of your money. Real data. Honest recommendations.
Birch was right about the product, and wrong about the year.
Stack is right about the product. And right about the year. Stack Market Analysis
04 · The pledge
An honest commitment

The recommendation is personal, not paid.

Most rewards apps recommend the card with the biggest affiliate payout. We won't. Stack's recommendations come from your spending, your existing wallet, and your situation. The bank paying us nothing and the bank paying us the most get the same fair shot at the recommendation.

Here's how the money actually works. We're building an Explore Cards feature where you can apply for new cards through Stack. If you choose to apply, the issuing bank may pay us a referral. That's the only time affiliate revenue enters Stack's books. Not at the recommendation step. Not in Max's answers. Only when you decide to apply.

The line we'll never cross: a recommendation is never weighted by what we'd earn. The card recommended to you is the card that's right for you. Always. If we ever break this, hold us to it.

S
Founder, Stack App
05 · Pricing

Pay once a year. Lock it for life.

First 1,000 paid Founding Members receive Stack Pro for $89.99/yr, for life. An additional 250 Lifetime Founder slots are available for $249, one-time. 30-day Pro Trial included on all paid annual memberships. Founding Members will be charged $89.99 on day 30 unless you switch to monthly, free, or cancel. All annual memberships come with a 7-day refund policy, one click, no questions asked. Waitlist offers the first invitations and does not guarantee a slot. No credit card required to join waitlist.

Free · forever
$0
A real tool, not a paywall preview. Genuinely useful, free forever.
  • Manual cards
  • Max. Which card right now
  • 40 Max queries per month
  • Single month of insights and data
  • Manual Budget Tools
  • Goal Management
  • Manual Benefits Tracker
Start free
Founding Member · most popular
Pro · locked for life
$99.99 $89.99 /year
First 1,000 paid Founding Members. This Stack Pro pricing never changes for you. Public price after the cap closes.
  • Everything in Free
  • Bank link via Plaid (optional, see FAQ)
  • Cap Tracker. Every card, live
  • Statement credit reminders
  • Multi-month Insights and Trends
  • 200 Max queries
  • Access to Vault (Net Worth and Accounts)
  • Founding Member badge in-app
  • Future Pro features included, forever
Claim your spot
Lifetime Founder
Pro · one-time
$249 once
No recurring charges, no price changes. Limited to the first 250 paid signups.
250 slots, claimed at paid signup
  • Everything in Founding Member
  • One-time payment. No subscription
  • Lifetime Founder badge (distinct)
  • Future Pro features included, forever
Reserve a slot

Prefer monthly? $9.99/mo, same Pro features, no Founding Member lock-in. Start a 30-day trial ›

Free 30-day Pro trial
Every annual plan starts with full Pro unlocked. No charge until day 30.
Cancel anytime
Stop your trial before day 30 and you won't be charged. Period.
7-day refund window
Charged and changed your mind? Full refund within 7 days. No questions, no friction.
06 · Questions you'd ask

FAQ.

How does Stack show me what I'm leaving on the table?
Once you link your spending AND add cards to your Stack, we compare what you actually earn on every transaction against what you would have earned using the highest-value card in your wallet for that purchase. The gap across every transaction, every month, is what we call your Missed Rewards. Your number depends entirely on your spend and your cards. We'll show you yours, not a marketing average.
Do I have to link my bank?
No. Stack works with cards you add manually. Cap Tracker, Max, and the budget all work without ever touching Plaid. The one exception is Missed Rewards, which needs your transaction history to calculate the gap between what you earned and what you could have earned. You have two ways to feed it data: link a bank through Plaid, or enter transactions manually. Linking is the convenience upgrade, not the gate.
What about my data?
Bank-grade encryption. Never sold, never shared. If you do choose to link a bank, Plaid handles that connection. Same plumbing Venmo, Robinhood, and Coinbase use. Read the privacy policy for the full version.
Why $89.99 when Copilot is $95 and Monarch is $99?
Honest answer: we're new, and we're competing on permanence, not on a sale. Founding Member pricing locks $89.99/yr for the first 1,000 paid signups, with no annual increases, ever. After the cap fills, the public price moves to $99.99 to match the category. Competitors sometimes discount below their list price, then raise it again. Stack's Founding Member price is contractually locked the day you sign up.
What's the difference between Founding Member and Lifetime?
Founding Member is annual at $89.99/yr, locked for life for the first 1,000 paid signups. As long as your subscription stays active, that price never changes. No annual increases, ever. Lifetime is $249 one-time for the first 250 paid signups. After 250, the tier closes permanently. Lifetime users never pay again, including for future Pro features. Both come with a 7-day refund window, one click, no support friction. The Lifetime price is contractually guaranteed forever, not dependent on a sale we might end tomorrow.
Is there a free trial? What happens on day 30?
30 days, full Pro access for annual members, every feature unlocked. Card must be added at account creation so the experience is seamless on day 30. On day 30, we charge $89.99 for the annual plan unless you downgrade your plan beforehand. We send a reminder on day 23 and another on day 28. Both reminders offer multiple options: stay Pro, switch to monthly, switch to free, or cancel. Payment was processed but you changed your mind? One-click refund in Settings within 7 days of payment authorization. Automated, no support ticket, no retention pop-up. Stack converts because the product worked, not because we made it hard to leave.
When does Stack open up?
Currently in private beta with a small group of power users. Full launch planned for 2026. Join the waitlist to stay up to date and take advantage of Founder pricing.
Does joining the waitlist guarantee a Lifetime or Founding Member spot?
No. Both tiers are first-come, first-served at the moment you choose a paid plan. Waitlist members get the first invitations to the public trial, which gives you a head start. But the slots fill at paid signup, not at waitlist join. The earlier you convert to paid, the better your odds. Lifetime in particular is hard-capped at 250, ever, with no reopening.
Wait, do you take affiliate money?
Yes, but only at one specific moment. When the Explore Cards feature ships, you'll be able to apply for cards through Stack. If you choose to apply, the issuing bank may pay us a referral. That's the only time affiliate revenue enters our books. Recommendations themselves, anywhere in the app, are based on your data, never on who pays us more. We've made that line public so we can be held to it. Read the pledge above.

Join the list for your chance at Founding/Lifetime Member pricing.

Waitlist offers the first invitations and does not guarantee a slot. No credit card required to join waitlist.

Waitlist opens soon.
A spot in the closed beta is coming. Watch this space.

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