Smart financial tools that help you optimize your money. Connect your real accounts, get data-driven recommendations, and invest with confidence.
Every month you face the same question: "Should I pay down my debt or invest this extra cash?" StackSmart gives you the answer.
It connects to your actual bank and investment accounts, pulls live market data, and runs algorithms to tell you exactly what to do with your money — and why.
Enter a loan and your monthly spare cash. The optimizer compares the guaranteed return of paying off debt against expected market returns, then gives you a clear recommendation with confidence score and projected net worth chart for both paths.
Managing multiple loans? StackSmart uses the debt avalanche algorithm to prioritize your payoff order and minimize total interest paid. See your debt-free date and monthly payoff schedule.
Get a personalized ETF portfolio built around your time horizon and risk tolerance — with specific ticker allocations and step-by-step instructions for executing your plan.
Connect real checking, savings, investment, and loan accounts. Your financial data populates automatically — no manual entry.
High-interest loan (9%) — $25k at 9%, $100/month spare cash
Recommendation: Pay debt — the guaranteed 9% savings beats expected market returns.
Low-interest loan (3%) — $25k at 3%, $100/month spare cash
Recommendation: Invest — market's historical returns outpace the 3% loan cost.
Disclaimer: This tool is for educational purposes only and does not constitute financial advice.