Know exactly when you can afford the next one.

No. Start with one property (even one you don't own yet) and the app tells you, in plain English, whether the numbers stack up. On Premium, you can also describe the same thing to Stackhold Assistant or paste a small table from a sheet, and it maps into the app for you after you confirm. Every term like "LVR" or "DTI" has a one-line definition on hover. If you can use a mortgage calculator, you can use Stackhold.

Yes. Model the home you want to buy, add your real income and expenses, and Stackhold tells you the month you can realistically settle — not a generic rule-of-thumb. You'll see exactly how much more deposit you need, what stress-tested repayments look like at 8.5%, and which LVR band you're heading into. It's the opposite of a bank pre-approval that expires in 60 days.

That's one of the most common reasons people sign up. Stackhold plugs in both properties, your personal income, and the loan on the next one — then runs a stress-test so you see what happens if rates rise to 8.5% or rent drops for three months. You get a clear answer to "is this safe?" before you make an offer, not after.

No. Start with rough numbers — a price estimate, a rent estimate, your salary. The engine uses sensible defaults for things like rates, insurance and maintenance, and you can refine them later. Every screen tells you what's a sensible default and what to tighten up next.

Your data lives in your private cloud account, encrypted in transit and at rest. We never sell it, we never share it with banks, and you can delete everything in Settings. If you stay signed out, nothing leaves your device.

A calculator answers one question in isolation. A spreadsheet answers ten questions, but every change breaks three others. Stackhold is one live model — change a rent, add an expense, sell a property, and every downstream number (DTI, LVR, cashflow, next-buy date) updates at the same time. You can't get that from a single-page tool.

Those are the three markets where the lending rules, terminology (bright-line, 1031 exchange, negative gearing) and defaults are baked in natively. If you invest somewhere else — the UK, Canada, Ireland, Singapore — the engine still works; you just edit the defaults for your market. Nothing is hard-coded to one country.

Add more properties, tenants, tasks, documents, and personal expenses as and when you have them. Stackhold is designed to grow with you — most users build their portfolio inside the app over weeks, not in one sitting. Everything you add makes the forecasts sharper.