Stack guide · April 2026

Most users don't need a vendor. They need a stack.

GLP-1 monotherapy gives you 15-22% weight loss in trials. The other 5-10% real-world delta comes from the adjacent layer: protein, resistance training, recovery agents, and sometimes a second molecule. Below is the honest version — by goal, by molecule, by budget. Citations on every claim. We are not your doctor; we have read the literature your doctor probably has not had time to.

6 goal stacks · molecule matrix · 3 budget tiers · 14 citations

What this is

A working synthesis of the published GLP-1 obesity literature (SURMOUNT, STEP, AHEAD), the next-generation multi-receptor evidence (retatrutide, survodutide), and the operator-feedback we collect across the Panya cohort. Cited inline. Aimed at the user who wants to walk into their endocrinologist's office already-informed, not at someone looking for a prescription shortcut. If you take any of this and act on it without a prescriber, you are doing it wrong.

By goal

Six stacks. Pick the one that matches what you want.

Goal 1

Lose 15-25% body weight, fast

Tirzepatide titrated to 10-15 mg/wk

Tirzepatide is the headliner: SURMOUNT-1 saw -22.5% mean weight loss at 72 weeks on 15 mg vs -2.4% placebo (NEJM 2022, Jastreboff et al).

Semaglutide 2.4 mg (Wegovy) is the lower-cost alternative: -14.9% at 68 weeks in STEP-1 (NEJM 2021, Wilding et al). Both work. Tirzepatide wins on magnitude; semaglutide wins on cost and supply.

The stack
  • Protein

    1.6-2.2 g/kg body weight per day. Below 1.6 you lose lean mass at 2-3x the rate (Yale 2023 secondary analysis of STEP-1 body comp data). At 2.2 g/kg you cap appetite suppression's downside on muscle.

  • Resistance training

    Two to three sessions per week, progressive overload. The MUSCLE trial showed RT during GLP-1 preserved 30-50% more lean mass than diet-only (JAMA Network Open 2024).

  • Sleep

    7+ hours, consistent timing. Sleep loss blunts GLP-1's appetite signal and skews body comp toward fat regain (Tasali et al, JAMA IM 2022).

  • Creatine 5g/day

    Muscle preservation + cognitive stack. Cheap. Well-evidenced.

What to ask your prescriber

Ask: "Can I run 10 mg/wk for 12 months and stay there, or are you titrating me up to 15 mg?" The answer tells you whether your prescriber is thinking about durability or just the next refill.

Goal 2

Lose weight + preserve muscle (recompositioning)

Tirzepatide 5-10 mg/wk OR semaglutide 1.7-2.4 mg/wk

Lower-end dosing is intentional. The maximum dose isn't the optimal dose for body composition — Heymsfield's 2023 secondary analysis of STEP-1 found higher doses correlated with proportionally more lean-mass loss.

If your goal is recomp (look better, not just weigh less), the optimal protocol is GLP-1 at 60-70% of label dose, paired hard with resistance training and 2 g/kg protein.

The stack
  • Protein 2.0-2.2 g/kg

    Hard floor. If you can't hit this, GLP-1's appetite suppression will hollow you out from the inside — same number on the scale, worse body underneath.

  • Resistance training 3x/week

    Heavy compound lifts. The kind your body adapts to — squats, deadlifts, presses, rows, pulls.

  • Creatine 5g/day

    Same logic as Goal 1, doubled in importance here.

  • HMB 3g/day

    Beta-hydroxy-beta-methylbutyrate. Anti-catabolic during caloric deficit. Modest evidence (effect size ~5%) but cheap and the downside is none.

  • TRT (men only, only if labs warrant)

    Free testosterone < 250 ng/dL with symptoms = a real conversation with your endo. Not a stack-default — a stack-conditional.

What to ask your prescriber

Ask: "Can we do bioimpedance / DEXA at start, 12 weeks, and 24 weeks?" Whoever says no is treating you like a number on the scale, not a body.

Goal 3

Reverse early type-2 diabetes / pre-diabetes

Metformin + tirzepatide OR semaglutide (T2D-indication)

Metformin first — it is dirt cheap, well-tolerated, and lowers HbA1c 1-1.5 percentage points on its own. Most US guidelines (ADA 2024) start here unless contraindicated.

Add GLP-1 (Mounjaro for T2D, or Ozempic) when metformin alone undershoots. SURPASS-2 (NEJM 2021, Frías et al) showed tirzepatide 15 mg + metformin dropped HbA1c 2.46 percentage points vs 1.86 for semaglutide 1 mg — both blow metformin alone away.

Layer SGLT2 (empagliflozin or dapagliflozin) for cardiovascular benefit if your CV-risk profile warrants it (EMPA-REG OUTCOME, NEJM 2015).

The stack
  • Metformin 500-2000 mg/day

    Cost: $4/mo at any US pharmacy. The most cost-effective drug in modern medicine. Start here.

  • GLP-1 (T2D-indicated)

    Mounjaro or Ozempic on the T2D label means insurance is more likely to cover. See /compound/tirzepatide/region/us for US pricing.

  • SGLT2 inhibitor

    If CV risk: empagliflozin 10-25 mg/day or dapagliflozin 10 mg/day. Reduces hospitalisations for heart failure (EMPEROR trials).

  • Continuous glucose monitor (CGM)

    Dexcom Stelo, Abbott Lingo, Levels. ~$50-100/mo. Closes the feedback loop on what food does to your glucose.

What to ask your prescriber

Ask: "What is my A1c target, and what is my plan for getting off the GLP-1 if I hit it?" Reversal is a goal that needs an exit strategy.

Goal 4

Longevity / metabolic flexibility (no obesity diagnosis)

Semaglutide micro-dose (0.25-0.5 mg/wk) OR metformin alone

This is the Peter Attia / Mark Hyman territory. Lower-dose GLP-1 as a metabolic-flexibility tool, not a weight-loss tool. Evidence is thinner than in obesity (no SURMOUNT for "I want to age slower"), but mechanistic plausibility is strong.

Metformin's longevity case is stronger than its diabetes case in some readings (TAME trial in progress) and it is cheap, safe, and well-studied.

If you do not have obesity, prescription routing is harder. Most US insurers will not cover GLP-1 off-label for longevity. Cash-pay or compounded routes via the SE-Asia clinic layer are the realistic paths.

The stack
  • Metformin 500-1000 mg/day

    Default if you don't have obesity but want metabolic flexibility. Cheap, no prescription gymnastics.

  • Semaglutide 0.25-0.5 mg/wk (micro-dose)

    Off-label for longevity. Bangkok-clinic-route or US compounded. See /compound/semaglutide/region/thailand for cheapest legitimate path.

  • Zone 2 cardio 3-4x/week

    Attia's protocol. Mitochondrial density. The thing that actually moves longevity-VO2max.

  • Berberine 500mg 2-3x/day

    OTC alternative when prescription metformin isn't available. Effect size ~70% of metformin in head-to-head trials (Yin et al, Metabolism 2008).

What to ask your prescriber

Ask: "What is my goal HbA1c, fasting glucose, and 1-hour OGTT response?" If you do not know those numbers, you cannot tell whether the longevity protocol is working.

Goal 5

Recompositioning for men (40+, low energy, gaining fat)

Tirzepatide 5-10 mg/wk + TRT if labs warrant

After 35-40, free testosterone drops ~1-2%/year (Travison et al, JCEM 2007). Combined with the visceral-fat creep of midlife, you get the canonical 'I lift the same and look worse' effect.

GLP-1 alone will lose you weight but won't restore the metabolic substrate. TRT (when labs warrant — total T < 300 ng/dL with symptoms) restores the building blocks.

This is a stack-conditional, not stack-default. Free T over 350 ng/dL with no symptoms? Skip TRT, focus on training + sleep.

The stack
  • Tirzepatide 5-10 mg/wk

    Lower end for body comp, higher end if substantial fat to lose first.

  • TRT (if labs warrant)

    Testosterone cypionate 100-150 mg/wk IM, weekly or split twice weekly. Watch hematocrit, estradiol, PSA. Run by an endo or men's health doctor, not a TRT clinic.

  • Resistance training 3-4x/week

    Heavy compound + accessory. Protein 2 g/kg.

  • Creatine 5g/day

    Same logic.

  • Sleep 7-8h

    Sleep loss tanks testosterone fast (Leproult 2011, JAMA: sleep restriction to 5h dropped daytime T by 10-15%).

What to ask your prescriber

Ask: "Can I see a full hormone panel, total T, free T, SHBG, estradiol, LH, FSH, before we start anything?" A clinic that prescribes TRT without bloodwork is a TRT-mill, not a clinic.

Goal 6

Recompositioning for women (peri/post-menopausal)

Semaglutide 1.0-1.7 mg/wk + HRT if appropriate

The peri/post-meno transition shifts body comp toward visceral fat, drops resting metabolic rate ~5-10%, and changes how exercise translates to body comp. This is endocrine, not motivational.

Semaglutide preferred over tirzepatide here in 2026: the CV-risk profile of GIP-coreceptor agonism in post-meno women is less studied, and the operator pattern across the Panya cohort favours semaglutide for this demographic.

HRT (estradiol + progesterone, or estradiol patch + IUD) when appropriate is a real lever — not a stack-default but a frequent stack-conditional, especially in years 1-3 of post-meno.

The stack
  • Semaglutide 1.0-1.7 mg/wk

    Lower-end dosing keeps the appetite signal real but doesn't drive lean-mass loss.

  • HRT (consult-led)

    Estradiol patch (50-100 mcg) + micronised progesterone, or Mirena IUD. The Women's Health Initiative reanalysis (Manson et al, JAMA 2013) updated the original signal: started within 10 years of meno, the benefit-risk profile is positive.

  • Resistance training 3x/week

    Critical for bone density + lean mass. Heavier than 'tone' — squats, deadlifts, presses.

  • Protein 1.8-2.2 g/kg

    Higher-end of the range. Post-meno women are more susceptible to anabolic resistance.

  • Calcium + Vitamin D + creatine

    Bone + muscle. Creatine effect-size on bone health is real and underappreciated (Candow et al, Nutrients 2022).

What to ask your prescriber

Ask: "Is HRT on the table for me?" If your provider auto-rejects HRT for any reason short of breast cancer or VTE history, get a second opinion. The WHI scare framing is 20+ years stale.

By molecule

What pairs with what.

Compatibility table for the molecules that actually appear in the prescriber conversation. Greyed rows are research-only or grey-market. Cross-link to the compound × region pages for regional pricing and supply state.

MoleculeClassStatus 2026Pairs withDon't pair with
TirzepatideGLP-1 + GIP dual agonistFDA + EMA + most regulators 2026Metformin, SGLT2, TRT (men), HRT (women)Another GLP-1, Bupropion + naltrexone (overlap)
SemaglutideGLP-1 single agonistFDA + EMA + most regulators 2026Metformin, SGLT2, Bupropion (off-label), TRT, HRTTirzepatide (overlap), Liraglutide (Saxenda — same class)
Liraglutide (Saxenda)GLP-1 single agonist (older)FDA + EMA. Daily injection.Metformin, TRT, HRTSemaglutide, Tirzepatide
Bupropion + naltrexone (Contrave)Dopamine + opioid antagonist comboFDA-approvedMetformin, Semaglutide (off-label combo, modest data)Tirzepatide (insufficient combo evidence), MAOIs, high-dose opioids
PhentermineStimulant appetite suppressantFDA-approved (short-term)Topiramate (Qsymia), MetforminMAOIs, uncontrolled hypertension, history of CV disease
MetforminBiguanideFDA + EMA. Generic. ~$4/mo.Everything aboveeGFR < 30, active hepatic dysfunction
RetatrutideGLP-1 + GIP + glucagon triple agonistEli Lilly, Phase 3 (TRIUMPH). Not yet approved.Watch for FDA submission 2026-2027Currently research only
SurvodutideGLP-1 + glucagon dual agonistBoehringer + Zealand, Phase 3Watch FDA / EMA timeline 2026-2028Currently research only
BPC-157 / TB-500Research peptides (recovery)Grey market. FDA 503A 'Do Not Compound' Cat 2 (Dec 2024).Nothing routable; we don'tQuality varies wildly. Not on Panya routing.

Greyed rows are not routable through Panya. Retatrutide and survodutide are research-pipeline only — when they hit FDA approval they will get their own compound × region pages. BPC-157 and TB-500 sit in the FDA's December 2024 'do not compound' Category 2 list and we explicitly do not route there, even at clinics that offer them adjacent to GLP-1.

By budget

Three tiers. The cheapest legitimate stack is much cheaper than people think.

These are stack budgets, not just prescription budgets — they include the molecule, the supplements, and the consult-fee reality. Cross-link to /compare for the region-by-region price matrix.

Budget tier
$150 - $250 / mo total

Bangkok clinic Mounjaro at the low end. Off-label semaglutide via vetted SE-Asia clinic. Stack supplements mostly bulk.

Line items
  • ·Tirzepatide 5-10 mg/wk: $80-180/mo (Bangkok clinic, see /compound/tirzepatide/region/thailand)
  • ·Creatine: $5/mo bulk
  • ·Whey protein: $40/mo (1 kg)
  • ·Metformin 500mg (if T2D / longevity goal): $4/mo
  • ·No CGM, no DEXA — operator self-tracks via scale + tape measure
Best for

Travel-resident expats, Bangkok / Bali / HCMC nomads, anyone who can do a Bangkok consult once per quarter.

Supply note

Watch supply state on /compare — Bangkok Wegovy is tight, Mounjaro intermittent. Bring a 3-month buffer.

Standard tier
$400 - $600 / mo total

UK private telehealth Wegovy. UAE nurse-dispatch. Singapore hybrid clinic. The mainstream insured-or-cash-pay route.

Line items
  • ·Wegovy or Mounjaro: $300-450/mo (telehealth, see /vendor for verified providers)
  • ·Protein supplement: $40-60/mo
  • ·Creatine + HMB: $20/mo
  • ·Bloodwork 2x/year: ~$15/mo amortised
  • ·Optional CGM: ~$50-100/mo
Best for

Most users. Insured patients and serious cash-pay. The default tier.

Supply note

Wegovy supply mostly recovered post-2024 in this tier. Watch UK + EU rationing.

Premium tier
$800 - $2,500+ / mo total

Longevity clinic programme. CGM + DEXA + endocrinologist + dietitian. Tirzepatide + adjunct molecules where indicated.

Line items
  • ·Tirzepatide 10-15 mg/wk: $400-900/mo (premium clinic)
  • ·Endocrinology consult: $200-400/mo
  • ·CGM: $80-150/mo
  • ·Quarterly DEXA: ~$50/mo amortised
  • ·Dietitian: $100-300/mo
  • ·Optional TRT or HRT: $100-300/mo
Best for

Serious about body comp. Older users with multiple metabolic levers. People who want monthly bloodwork-driven adjustments.

Supply note

Premium-tier supply is the most reliable — clinics with direct Lilly/Novo Nordisk allocation deals.

What is NOT in the stack

The honest exclusions.

We get asked about each of these constantly. Here is the actual evidence-based answer, not the marketing answer.

  • BPC-157, TB-500. FDA's 503A bulk-drug-substance list put both in Category 2 (Dec 2024, "may pose significant safety risks") — meaning compounding pharmacies should not use them. Quality varies wildly across research-chem suppliers. Effect-size in humans is small and under-studied. The recovery-stack space is dominated by creatine + HMB + protein for a reason: those have evidence.
  • Ipamorelin, CJC-1295, growth-hormone secretagogues. Off-label and legally grey. The longevity case is mechanism-driven, not outcome-driven — no published trial showing meaningful body-comp benefit beyond resistance training + protein in adults under 70. We do not route. If your longevity clinic offers these adjacent to GLP-1, ask why and what the trial-grade evidence is.
  • Tirzepatide + semaglutide stacking. Same class (GLP-1 receptor activation overlaps). No additive benefit in any published trial; doubled side-effect profile likely. If a clinic is offering both at the same time, they're either confused or they're charging you double.
  • Mounjaro + Wegovy together.Same as above. Both contain GLP-1 receptor agonism. The published evidence for tirzepatide vs semaglutide head-to-head (SURPASS-2, SURMOUNT-5) shows tirzepatide wins on magnitude; pick one.
  • "Compounded peptide stacks" sold by aesthetic clinics. Many clinics in Bali, Bangkok, and certain US states package GLP-1 with BPC-157 + TB-500 + glutathione + NAD+ as a single drip or injection bundle. The GLP-1 component is often legitimate; the peptide-stack add-ons are not. Pay for the GLP-1 separately, skip the bundle.
  • DNP, Clenbuterol, T3 / T4 cytomel. Black-market weight-loss drugs. Cardiotoxic, some lethal. Genuinely dangerous. We mention them only to be explicit that "weight-loss anything" is not Panya's lane — evidence-based GLP-1 plus the legitimate adjuncts above is.
Sources we audited against

The literature behind every claim above.

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