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.
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 sets aside a portion of every payment, tracks your deductible expenses, and keeps your IRD money visibly separate 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 without the data entry
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. Nothing leaves your phone unless you switch on the AI engine* and say yes.
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.
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 numbers stay yours
A budgeting app sees the most personal information you have. We treat that seriously — and we describe it accurately, rather than reassuringly.
- Encrypted in transit and at rest. Your data travels over TLS and is stored on encrypted disks.
- Your Tax Stash stays on your phone. It is never uploaded to us at all.
- The assistant is on-device by default. The optional AI engine sends anonymised totals only — never your name, your bank, or individual transactions — and only after you turn it on.
- We never sell your data, and Stak carries no advertising.
- Delete it all, from inside the app. One tap removes your account and everything in it.
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, budgets, bills, and the on-device 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 on-device 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, forecasting and the AI assistant — 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 | ||
| Safe-to-SpendWhat’s left this pay cycle 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 optimiser | — | ✓ |
| Repeating set-asidesFor rego, insurance, Christmas | — | ✓ |
| New Zealand tax & home ownership | ||
| Take-home pay calculatorPAYE, KiwiSaver and student loan | ✓ | ✓ |
| Tax StashSet tax aside automatically, with deduction confidence and audit records | — | ✓ |
| Provisional tax helper | — | ✓ |
| First Home & KiwiSaver planner | — | ✓ |
| Mortgage overpay & refix tools | — | ✓ |
| The assistant | ||
| On-device money assistantAnswers from your own data, never uploaded | ✓ | ✓ |
| AI money assistantSmarter answers to trickier questions | — | ✓ |
| 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 a budgeting and information tool. It shows you your own numbers and helps you plan with them. It is not a financial adviser, it does not provide financial advice, and it does not recommend financial products or providers. For tax matters, talk to a chartered accountant; for financial advice, talk to a licensed financial adviser.