Your money, made clear.
Know what you've earned, what you've spent, and what's left before your next pay — in a budget that follows your payday, not the calendar month. Made in New Zealand, for New Zealand.
Be a founding user. Join the waitlist and you'll get every paid feature free for a full year. We'll email you before that year is up, and nothing starts charging you on its own.
We'll email you when Stak launches, plus the occasional tip on getting the most out of it. Unsubscribe any time — we never share your address.
Know where you stand. Before payday, not after.
What Stak Does
The whole picture, without the spreadsheet
Most budgeting apps are built for a calendar month and an overseas tax system. Stak is built for how New Zealanders actually get paid — and what they actually owe.
Stak doesn't connect to your bank. You add what you spend as you go, or import a CSV from your bank — which is also why your account logins are never involved.
Built around your pay cycle
Weekly, fortnightly or monthly — Stak follows the day you actually get paid, not the calendar month. So “what's left before payday” means exactly that.
A Tax Stash for the self-employed
Contracting or side-gigging? Stak works out how much of each payment to keep back for tax, tracks your deductible expenses, and shows your IRD money as a separate figure from your spending money.*
Bills that turn up before they bite
Rent, power, broadband, insurance — see what's due next, in order, with a reminder before it lands. Confirm each one when it's paid, so your spending stays true.
Insight from what you've recorded
Where the money went, which categories are creeping up, which subscriptions renewed at a higher price.* Stak works it out from what you've already recorded.
Goals and sinking funds together
The trip, the emergency fund, and the annual rego bill live in one place — including the ones that come back every year.*
A money assistant that stays on your phone
Ask “how much can I spend this week?” and get an answer worked out on your device from your own records. It gives figures, not opinions, and nothing you type leaves your phone.
A second look at odd charges
A double charge, a shop well above its usual, a subscription that quietly went up — Stak points them out so you can check.* Prompts to look, never accusations.
Reports your accountant can read
Export your transactions as a plain CSV, or an accountant-ready summary of money in and out over any period.* Yours to download and send on — no account needed at the other end.
* Stak Plus feature — see what Free and Plus each include.
The Headline Figure
How Stak works out what you have left
The first number you see is one subtraction, measured from your last payday to your next one. Every part of it is a figure you've entered, and the app shows you each one.
Pay received−Spending recorded−Bills still to come=Left after bills
Pay received
Money that has actually landed since your last payday. Pay that hasn't arrived yet isn't counted, even when it's expected — so the figure never spends money you don't have.
Spending recorded
What you've entered so far this cycle. Stak doesn't connect to your bank, so it only knows what you've told it or imported.
Bills still to come
Held back for repeating bills due before your next payday. Once a bill is paid it moves across into spending, so it's never counted twice.
What it doesn't do
It isn't a forecast, and it doesn't protect anything. Money you mean to keep — savings, a goal, tax you'll owe later — is still inside this number until you move it or spend it. A bill Stak doesn't know about isn't in it either.
When it can be wrong
The app says so on the figure itself: when a pay was due and hasn't been recorded, when a bill's amount is an estimate rather than a confirmed charge, and when nothing has been entered for a while. It also shows the dates it covers and the time it was worked out, so you can check it against your bank.
A Look Inside
Designed to be read at a glance
Open it, understand your position, close it. Stak is built for thirty seconds of clarity, not an evening of admin.
Your data, protected
A budgeting app sees the most personal information you have. We treat that seriously — and we describe it accurately, rather than reassuringly.
- No bank connection. Stak never asks for your bank login and can't see your accounts. Every figure is one you typed or imported.
- Encrypted on the way and at rest. TLS in transit, AES-256 in storage, hosted in Sydney by Supabase (SOC 2 Type 2 and ISO 27001 certified).
- Locked to your phone. Your sign-in is encrypted on the device itself, and you can add a fingerprint or face lock to open the app.
- Delete it all, from inside the app. One tap removes your account and everything in it.
- No ads. No data sales. Ever.
Full detail in the Stak Privacy Policy.
Pricing
Free to use. Plus when you want more.
Everything you need to track your money — recording income and spending, bringing in a bank statement, what's left this pay cycle, budgets, bills, and the money assistant — is free, and stays free. Stak Plus adds the deeper tools and removes the limits. Every new account gets 30 days of Plus free; if you don't subscribe when it ends you drop back to the free plan and keep everything you've recorded.
Free
$0
Everything you need to know where you stand: income, spending, budgets, bills and the money assistant. Free forever, not a trial.
Stak Plus
NZ$79.99/yrSave 33%
or NZ$9.99/mo
The deeper tools — tax, home ownership, debt payoff and spending pace — plus no limits on anything.
The first 50 accounts get Plus free for a full year.
| Feature | Free | Stak Plus |
|---|---|---|
| How much you can track | ||
| Income & expenses | Unlimited | Unlimited |
| Budgets | 3 | Unlimited |
| Savings goals | 3 | Unlimited |
| Bill remindersA nudge before a bill is due — you record it when you pay it | 5 | Unlimited |
| Repeating bills & incomeRecorded for you each time they come round | 3 | Unlimited |
| Custom categories | 3 | Unlimited |
| AccountsEverything you own and owe — a partial list would make your net worth wrong | Unlimited | Unlimited |
| Seeing what happened | ||
| Spending trends | 3 months | 6 months |
| Where your money went | ✓ | ✓ |
| CSV exportYour data is yours on either plan | ✓ | ✓ |
| Bank CSV importBring in a bank statement instead of typing it | ✓ | ✓ |
| Accountant-ready PDF report | — | ✓ |
| Planning ahead | ||
| Left after billsWhat’s left of this pay once the bills still to come are set aside | ✓ | ✓ |
| Subscription DetectiveSpots repeat charges in what you’ve recorded, and flags ones that went up | — | ✓ |
| Money alertsFlags possible duplicates and unusual amounts in your records | — | ✓ |
| Debt payoff plannerSnowball and avalanche | — | ✓ |
| Next-dollar comparison | — | ✓ |
| Repeating set-asidesFor rego, insurance, Christmas | — | ✓ |
| New Zealand tax & home ownership | ||
| Take-home pay calculatorPAYE, KiwiSaver and student loan | ✓ | ✓ |
| Tax set aside from your pay-cycle figureEstimated tax on business income is held back before “Free to spend” | ✓ | ✓ |
| Tax StashDeduction confidence, GST and provisional-tax tracking, audit records and the accountant export | — | ✓ |
| Provisional tax helper | — | ✓ |
| First Home & KiwiSaver planner | — | ✓ |
| Mortgage overpay & refix tools | — | ✓ |
| The assistant | ||
| Money assistantAnswers questions about your own records, on your phone | ✓ | ✓ |
| Finishing touches | ||
| Budget rollover | — | ✓ |
| Expense tags | — | ✓ |
| Custom reminder lead times | — | ✓ |
Prices are in New Zealand dollars and include GST. Subscriptions are billed by the App Store or Google Play and renew until cancelled; you can cancel any time from your store account. If you don’t subscribe when a trial ends you move to the free plan and keep everything you’ve recorded.
Talk to us
Please don't include passwords, bank details, or account numbers in your message — we never need them.
Stak is an information and budgeting aid based on the figures you've entered. Not personalised financial or tax advice. It is not a financial adviser, it does not recommend financial products or providers, and nothing in it is regulated financial advice. For tax matters, talk to a chartered accountant; for financial advice, talk to a licensed financial adviser.