# InDebt vs Stack

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.

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.

## The numbers

| Metric | InDebt | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (2 ratings)](https://appshunter.io/ios/app/indebt/id1385708953/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews) |
| Number of ratings | 2 | **6** |
| Positive reviews | 58.8% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 29 MB | 30 MB |
| Requires iOS | 18.6 | **16.0** |
| Devices | iPhone, iPad | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Sergei Volkov](https://appshunter.io/developer/1385708952) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### InDebt

[App page](https://appshunter.io/ios/app/indebt/id1385708953)

Manage personal debts with interest and penalty tracking. Supports all currencies and offers data backup. Get notifications for overdue payments and view historical data.

**Highlights:** Interest and penalty calculation, Support for any currency, Data backup and restore, Debt payment history, Total profit calculation, Exportable history, Overdue debt notifications

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Purchasing the full version | $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 InDebt free?

InDebt 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, InDebt or Stack?

InDebt is rated higher. InDebt averages 4.5 out of 5 from 2 ratings, while Stack averages 4.3 from 6 ratings.

### Do InDebt or Stack have ads?

Neither InDebt nor Stack shows ads.

### Which is updated more often, InDebt or Stack?

InDebt ships an update monthly, and Stack every 6 weeks. Most recently, InDebt was updated on October 12, 2026 and Stack on September 30, 2026.

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