Comparison
Stackhold vs a spreadsheet for property portfolio modelling
A spreadsheet can be perfect for one property and one simple decision. At two or more properties, it usually turns into a maintenance job: duplicated formulas, stale assumptions, and no shared source of truth when your partner, broker, or accountant asks what changed.
| Feature | Spreadsheet | Stackhold |
|---|---|---|
| Cashflow modelling | Manual tabs + formula upkeep | Live and linked across portfolio + personal finances |
| Lending rules (DTI/LVR/stress) | Custom formulas per scenario | Built-in defaults for NZ/AU/US, editable per market |
| Cross-property forecasting | Hard to keep synced | 10-year portfolio forecast from one model |
| Tenant tracking | Separate sheet/apps | Built-in tenancy, tasks, reminders |
| Document storage | External folders, no context | Per-property document vault |
| AI assistance | None | Portfolio-aware AI with previewed actions |
| Multi-market support | Manual localisation | Native NZ/AU/US terms and rule defaults |
| Mobile access | Readable, rarely editable | Responsive web app today; native apps coming |
| Formula drift risk | High over time | Low — one underlying model |
| Time per update | Often 20–60 minutes | Usually a few minutes |
When a spreadsheet is the right tool
If you only model one property occasionally, are comfortable auditing formulas, and don’t need tenant operations or collaboration, a spreadsheet is often enough. It is cheap, familiar, and very flexible for one-off what-ifs.
When Stackhold is the right tool
If you are running an active portfolio, comparing multiple buy/sell paths, or coordinating with a partner/adviser, Stackhold is usually the better fit because the numbers, operations, and planning AI stay synchronized in one place.