Not advice
Stackd does not give financial, investment, tax, legal or debt advice. We are not financial planners or advisers, and we are not authorised or supervised by the Belgian Financial Services and Markets Authority (FSMA) or any other financial regulator.
Your figures, your decisions
Everything Stackd shows, such as what's left to spend, budget pace, when a goal could be reached, when a debt could be paid off or the value of what you own, is calculated only from the figures you enter. If a figure is missing, wrong or out of date, the result will be too. Estimates about the future are not promises: real life, prices and interest rates change.
The decisions you make with these figures are yours. For important decisions, talk to a qualified professional.
No products, no recommendations
Stackd doesn't recommend or sell financial products, banks, loans, insurance, funds, shares or other investments, and it never tells you how to divide your money between them. Tips in the app are general information, the same for everyone in a similar situation.
If debts feel too much
Stackd can help you see your debts clearly, but it doesn't negotiate with lenders or offer debt solutions. Free, confidential help exists:
- In Belgium: the social welfare centre of your municipality (OCMW / CPAS) offers debt mediation, and in Flanders and Brussels so does the CAW (caw.be). Wikifin, the FSMA's financial education programme, explains your options at wikifin.be.
- Elsewhere: look for a free, non-profit debt advice service in your country.
Bank accounts
Stackd doesn't connect to your bank, doesn't hold or move money and doesn't make payments for you. Balances in Stackd are what you entered, not what your bank shows.