How Stackr works.
Connect every account in minutes. Stackr auto-categorizes the history, builds your canonical net-worth figure, and hands your AI coach read-only access to everything — so every answer sits on real numbers.
Connect every account.
Plaid handles the authentication. Your bank password never touches Stackr's servers. Read-only by design — Stackr can see balances and transactions, but it can never move your money.
- Chase, Schwab, Vanguard, Fidelity + 12,000 others
- Checking, brokerage, 401(k), crypto, mortgages
- 24 months of historical transactions reconstructed
- SOC 2 Type II · 256-bit encryption
Every transaction, tagged in 0.3 seconds.
A classifier trained on 2.4 million labeled transactions categorizes every line automatically. Recategorize once, and Stackr remembers — corrections propagate across your history.
- 99.1% accuracy out of the box
- Custom categories and rules you can edit
- Merchant enrichment — no more "POS DEBIT 4567"
- Transfers automatically linked across accounts
Families, founders, and professionals — all on the same surface.
Ask anything. Get your actual answer.
The coach reads your live balances, transactions, and projections before every response — and cites the account and date for every number. Powered by Claude Opus 4.6.
- "Am I on track to retire at 60?"
- "Which debt should I pay off first?"
- "How much should I put toward my 401(k)?"
- "What's my tax situation this year?"
See ten thousand possible futures.
Monte-Carlo projections across historical return distributions — for retirement, debt payoff, home purchases, and every goal you set. Not a single line. The full range of outcomes.
- 10,000 simulations updated on every market close
- Adjust contributions, withdrawals, and allocation
- Roth vs. traditional modeled side-by-side
- Confidence intervals you can plan against
Four steps. One surface. The full picture.
Most users finish setup in under five minutes.