InDebt vs Stack
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
InDebt
Manage personal debts with interest and penalty tracking. Supports all currencies and offers data backup. Get notifications for overdue payments and view historical data.
- Interest and penalty calculation
- Support for any currency
- Data backup and restore
- Debt payment history
- Total profit calculation
- Exportable history
- Overdue debt notifications
Read full descriptionHide full description
Book of debts with the possibility of accounting for interest on the debt and charge penalties for delayed debt repayment. Interest and penalties charging. Any currency in the world. Backup of your data. All payments in debts history. Total profit for all closed debts. Export of history. Notifications when the debt is overdue. Light and dark theme.
Stack
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.
- 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
Read full descriptionHide full description
Stack is the fastest debt management app for iPhone, iPad, Apple Watch and Mac. It enables you to categorize money you are owed and money you owe, and conveniently track and manage your finances across multiple devices. Stack offers the following features: • Spaces: Create multiple Spaces to categorize your debt. For example, you can create a Space for each friend who owes you money. • Add Entries: Add an entry to a Space with one tap. Give each entry a name, quantity, and value. Use a positive value for money you are owed and a negative value for money you owe. Entries in Spaces can be sorted by date, value, or name. • Remove Debt: Removing debt is also straightforward. Tap on the circle on the left side of a debt entry to remove it. If you accidentally removed an entry, you can restore it later, similar to the Reminders app. • Share Debt: You can choose to share the debt of a Space, which generates a list of all debt and the total sum. You can choose if you want to include entries previously marked as complete, and you can choose to include the date of the entry. The date can also be edited. • Value Calculator: You can use the integrated calculator to perform complex calculations and then transfer them directly to the value field. • Split Sum: With this feature, sharing expenses is easy. Just choose the number of parts you want to split a Space's total into, and Stack will automatically calculate the amount of each part. • App Lock: Stack offers Face ID or Touch ID to lock the app, ensuring that only you can access it. • Apple Watch App: You can view, edit, and add new entries on your Apple Watch. No connection to your iPhone is required. • iCloud Sync: All your data is synced between your iPhone, iPad, Apple Watch and Mac. • Privacy: Your data is stored only on your device and in iCloud. The app does not collect any user data, and the developer has no access to it. • Text Field Sizes: You can adjust the name field and the value field sizes to your preference.
Screenshots
Verdict
The clearest difference is review sentiment: Stack at 100% against InDebt's 59%. Stack also leads on monetization model (free vs free with in-app purchases) and device support (4 vs 2). InDebt's advantage is rating (4.5 vs 4.3). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. InDebt sells 1 one-off in-app purchase and Stack sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
InDebt holds the better App Store score, 4.5 against 4.3. Both are backed by a comparable volume of ratings — 2 and 6 respectively. Written reviews complicate that: 59% of InDebt'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.
InDebt ships an update monthly, Stack every 6 weeks. The most recent releases landed on October 12, 2026 and September 30, 2026 respectively.
| Parameter | InDebt | Stack |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2 ratings) — better | 4.3 (6 ratings) |
| Positive reviews | 58.8% of reviews | 100.0% of reviews — better |
| Number of ratings | 2 | 6 — better |
| Update frequency | Monthly — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, Mac, Apple Watch — better |
| Requires iOS | 18.6 | 16.0 — better |
| Further details — not scored | ||
| Size | 29 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Sergei Volkov | Leon Boettger |
Customer experience
InDebt
Stack
In-app purchases
InDebt
- Purchasing the full version$4.99
Stack
- Stack+$0.99






