# Debt Control vs Stack

The clearest difference is review sentiment: Stack at 100% against Debt Control's 64%. Stack also leads on monetization model (free vs free with in-app purchases) and device support (4 vs 2). Debt Control's advantage is rating (4.5 vs 4.3) and ratings volume (32 vs 6). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Control sells 3 one-off in-app purchases and Stack sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debt Control holds the better App Store score, 4.5 against 4.3. That said, the two scores are not equally well evidenced: Debt Control has 32 ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 64% of Debt Control's written reviews are positive against 100% of Stack's, so the app with the better star average is not the one people write more warmly about.

Debt Control ships an update every 2 months, Stack every 6 weeks. The most recent releases landed on October 14, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Debt Control | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (32 ratings)](https://appshunter.io/ios/app/debt-control-payoff-planner/id1315617808/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews) |
| Number of ratings | **32** | 6 |
| Positive reviews | 64.2% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 23 MB | 30 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | iPhone, iPod | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [CleverPumpkin Ltd.](https://appshunter.io/developer/826318670) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### Debt Control

[App page](https://appshunter.io/ios/app/debt-control-payoff-planner/id1315617808)

Manage all your debts and loans in one place. Track who owes you money and who you owe, with support for multiple currencies and payment reminders. View your debt history and get an overview of your financial commitments.

**Highlights:** Track money owed and borrowed, Support for multiple currencies, Payment period indication, Customizable reminders, Consolidated list of contacts and debts, Debt history log

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $0.99 | one-time |
| Premium | $2.99 | one-time |
| Premium | $4.99 | one-time |


### Stack

[App page](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951)

Easily track and manage personal finances by categorizing credit and debt across multiple devices. Create separate spaces for different financial situations, share summaries, and use the built-in calculator for complex calculations.

**Highlights:** Categorize credit and debt, Create multiple financial spaces, Share debt summaries, Integrated value calculator, Split expenses easily, App lock with Face ID/Touch ID, Apple Watch app for on-the-go management

**Features:** Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Stack+ | $0.99 | one-time |


## Frequently asked questions

### Is Debt Control free?

Debt Control is free to download, with in-app purchases available.

### Is Stack free?

Stack is free to download, with in-app purchases available.

### Which has better reviews, Debt Control or Stack?

Debt Control is rated higher. Debt Control averages 4.5 out of 5 from 32 ratings, while Stack averages 4.3 from 6 ratings.

### Do Debt Control or Stack have ads?

Neither Debt Control nor Stack shows ads.

### Which is updated more often, Debt Control or Stack?

Debt Control ships an update every 2 months, and Stack every 6 weeks. Most recently, Debt Control was updated on October 14, 2026 and Stack on September 30, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*