Stack'd Development Studio

Stack'd · personal finance tracker

Stack'd keeps every wallet, every log and every budget on your device. There is no account to create and no cloud to sync with. The only thing that ever goes online is the bank link you can choose to turn on, and it shows you every transaction before saving it.

Get it on Google Play iPhone version in progress
0 accounts or trackers 5 languages CSV in and out, always
Stack'd home screen: total balance of €28,088.91, a balance chart, wallet cards for Main Bank and Savings, and smart insights.

What's inside

Built from the ledger up.

A balance in Stack'd is never a number someone typed in. It is the sum of the logs behind it, recomputed every time, so what you see always matches what you recorded.

Wallets and logs

Bank, card, cash, savings, credit card, investment: two wallets on the free plan, as many as you keep in real life with Stack'd Pro, each in its own currency. Log an expense, an income or a transfer between two wallets in a few taps, with a note and tags.

Repeating logs

Rent, salary, subscriptions: set a schedule once and the whole series is written out ahead of time. Edit one occurrence, this and future ones, or the entire series.

Goals

A monthly budget per category. The Goals tab shows what is already spent, what is still committed by repeating logs, and how the month will end up, not only how it looks today.

Debt simulator

Enter an amount, a rate and a duration and read the full amortization schedule: every instalment, its interest share and the remaining principal. Link a loan to its repeating payment and progress tracks itself.

Bank statement import

Drop in a statement as CSV, camt.053 or MT940. Stack'd maps the columns, skips what you already logged, pairs transfers between your own wallets and shows a review before anything is saved. The file itself is never kept.

Home widgets and insights

Compose the Home screen from eight widget types: latest logs, income versus expense, top categories, budgets, savings rate, 50/30/20 and more. Smart Insights point out what changed this month in one line each.

What it costs

Free to use, two things to buy.

Nothing is rented from us and nothing expires. The free plan is the whole app on a smaller scale; the two paid products are shown, with their price, inside the app before you buy.

Free

Up to two wallets and the categories the app ships with. Everything else is there: repeating logs, goals, the debt simulator, statement import, widgets, CSV export and import, five languages, light and dark.

Stack'd Pro

A one-time purchase, billed once by Google or Apple at the price shown in the app. It lifts both free limits for good: as many wallets as you need, and categories of your own. It is not a subscription and never renews, and you can restore it on any device signed in to the same store account.

Bank Connect

The optional bank link is a subscription, billed by the store at the price shown in the app, and cancellable any time in your store's subscription settings. Everything else in Stack'd works without it, and statements you import by file always will.

The screens

Quiet by design.

Low colour, large numbers, one thing per screen. Light and dark themes, and the interface in English, French, Italian, Spanish or Portuguese.

History screen listing transactions grouped by day, with amounts, categories and wallets.
HistoryEvery log, filterable by wallet, category, tag and period.
Loan result screen: €18,000 at 4.05% over 5 years gives a €331.90 monthly payment, €1,914.23 total interest, 60 instalments.
DebtSimulate a loan before signing it, then track the real one.
The same home screen in the light theme.
Light and darkPick a theme, or let it follow the system.

Privacy

Nothing leaves, unless you say so.

The app works offline and the only copy of your data is the one on your device. The single exception is the bank link you turn on yourself, and it shows you every transaction before saving it. This is the list from our privacy policy.

  • No user accounts or registration
  • No cloud sync of your own data
  • No uploading of imported files
  • No analytics or usage tracking
  • No advertising or ad identifiers
  • No data sharing beyond the optional bank link

Access and portability

Export everything as CSV

Accounts, categories, transactions and loans leave the app as plain CSV files that open in any spreadsheet. The same files import back, so a backup is a full restore.

Rectification

Edit any record, any time

Nothing is locked after saving. Change a log, an account or a budget and every derived figure follows.

Erasure

Factory reset, and it is gone

Delete one record or erase everything from Settings. Since no copy exists elsewhere, no one, including us, can bring it back. Keep your CSV backups safe.

The studio

Stack'd Development Studio

Stack'd Development Studio is an independent software studio. We make Stack'd, and we build it the way we would want our own tools built: computed on the device, exported in formats we can open anywhere, and finished down to the typography.

Most finance apps ask for your bank login on day one and pay for themselves with your data. We think a tracker should be a private notebook with very good arithmetic, so that is what we make.

Local firstEvery feature, including statement import and loan schedules, runs on the phone, offline. The optional bank link relays transactions through an EU server that stores none of them.
Honest numbersBalances are computed from logs, never stored. Loan maths runs in whole cents, so a schedule adds up to the cent.
Open formatsCSV export and import of everything, plus the bank standards camt.053 and MT940. Your data is never trapped.
Finished workFive languages, light and dark, native Android and iOS. Small details, like the safe area and the scroll position, get the same care as the big ones.

Questions, ideas, a bug?

Write to us. Your email is used only to reply and never joins a list.

hi@stackdplatform.com