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Honest comparison

How Stackhold stacks up against the alternatives.

We built Stackhold because the alternatives didn't cut it for multi-market investors. Here's where each option still makes sense — and where it breaks down.

Stackhold vs spreadsheets

Spreadsheets are infinitely flexible — and infinitely stale. Stackhold keeps the flexibility you love and fixes the drift.

Dimension Stackhold The alternative
Multi-market lending rules Native — NZ · AU · US, editable defaults Hand-roll every cell, every time
10-year forecast across the portfolio One click, auto-linked to changes Rebuild annually, pray the links hold
DTI / LVR / stress test Live, per property, per market Manual formula per property
AI that updates the plan Yes — structured actions No — it's a spreadsheet
Mobile / iPhone / Android Same model, everywhere Viewable. Barely usable.
Collaboration with broker / accountant Shareable workspaces (beta) Send .xlsx. Hope.
Version control Automatic cloud sync file-final-v3-REAL-FINAL.xlsx

Stackhold vs PropStack.ai

PropStack.ai is a respectable single-market tracker. Stackhold is built for planning across NZ, Australia, and the US — with an AI that acts on your portfolio, not just chats about it.

Dimension Stackhold The alternative
Markets supported NZ · Australia · US (native) Single-market focus
Lending rules depth LVR, DTI, stress buffer, per-property overrides Basic tracker
AI Dual-mode: Stackhold Strategy plans + Cockpit chat that updates your portfolio Advice-only chat
10-year forecast with milestones Yes, auto-computed Limited
Selling strategy + exit model Full disposal calculator + checklists Partial
Built-in property management Tenants, tasks, expenses, documents, key dates No / external
Personal finances integrated Income, expenses, liquid cash → DTI & serviceability Properties only
Multi-platform Web today · native iOS & Android coming Web-first
Price Free · NZ$14.99/mo · NZ$149.99/yr · NZ$99/yr Founding Subscription only

Stackhold vs guessing

Gut feel is fine for a paint colour. Not for a $700,000 commitment. The cost of a single wrong purchase dwarfs years of app fees.

Dimension Stackhold The alternative
Confidence before the offer Numbers that tie to your bank's rules Whatever feels right today
"When can I afford the next one?" Exact — based on your portfolio + rules A shrug, a broker call, a wait
Stress-tested serviceability Built in. 8.5% buffer default Hopeful extrapolation
Exit timing Model the disposal, watch the cash flow into the next deposit Chasing the market
Audit trail Every number traceable A coffee-napkin, somewhere
Cost of being wrong once A NZ$14.99 / mo subscription Years of compounding gains

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