Stack Wealth Wisely
Every purchase is a choice. That $36 sweater could become $53 in a high-yield savings account or $93 in a Roth IRA over 10 years. Our app shows you the real cost of every expense—not just what you spend today, but what you're giving up tomorrow. See the future value of your money before you hit "buy" and make choices that build wealth, not just fill closets.
MyFutureStack helps you see every purchase as a choice between spending now or stacking wealth for your future. Every time you're about to buy something, we show you what that money could become if you invested it instead.
Challenge Yourself
Small wins lead to big changes. Create personalized savings challenges like "No eating out for one week" or "Skip the coffee shop for 5 days" and watch your progress in real-time. Our countdown timer keeps you motivated, and when you complete a challenge, you earn a badge that celebrates your commitment. Turn temporary sacrifices into lasting habits—one challenge at a time.
24 Hour Hold
Stop impulse purchases in their tracks. When you're tempted to buy something, add it to your 24-hour wishlist hold instead. Research shows that even a short delay dramatically reduces impulse spending—giving your rational brain time to catch up with your emotions. During the hold period, you'll see exactly what that purchase could become if invested. After 24 hours, if you still want it, buy it guilt-free. But most of the time? You'll realize you never really needed it at all.
Customize to your rates
Your money, your rules. Set personalized spending budgets that match your lifestyle and financial goals. Adjust the high-yield savings and Roth IRA rates to reflect your actual returns, so every opportunity cost calculation shows you real numbers based on your real accounts. Take control of your financial future with settings that adapt to you.
Real Stories
"I was spending $8-12 every day on lunch without thinking about it. When the app showed me that my $10 burrito bowl could be worth $260 in 10 years if I invested it instead, I actually felt sick. I started doing the 'no eating out' challenge every other week, and now I meal prep on Sundays. In three months, I've saved over $400 and invested most of it. The app didn't make me feel guilty—it just made the trade-off real. Now when I do go out, it's intentional, not automatic." — Maya, 20, Sophomore at UC Berkeley
"I'd see something online, add it to cart, and buy it within minutes. The app's 24-hour hold feature changed everything. When I wanted these $75 sneakers, I added them to my wishlist instead. The next day, the app showed me they could become $483 in a Roth IRA by the time I'm 30. I didn't buy them. A week later, I didn't even want them anymore. I've completed four savings challenges now and actually get excited when I earn a new badge. It sounds weird, but not buying stuff feels like winning." — Marcus, 22, Senior at University of Texas
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