Comparison

Debt Tracker vs Stack

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debt Tracker

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

Highlights
  • Manage debts and receivables
  • Separate by currency
  • Debt payoff planner
  • Monthly status tracking
  • Payment tracker
  • Money tracking
Features
Read full description

Debt Tracker is the ideal app for anyone who needs to manage their debt efficiently. With this app, you can easily stay organized and keep track of all your financial commitments. Whether it’s tracking your debt or monitoring what others owe you, the app’s powerful features help you stay on top of it all with our comprehensive debt tracker. Here’s what Debts - Manage your debtors offers: 1. Manage your debt and receivables effortlessly. 2. Separate your debts and receivables by currency for easy management of international transactions. 3. Track the total amount of your debts and receivables at any time. 4. Use the debt payoff planner to organize your payments and set clear goals. 5. Keep track of the monthly status of your debts and payments. 6. Stay organized with our easy-to-use payment tracker. 7. Track your overall finances with the intuitive money tracking app. Our debt payoff planner helps you create a clear path to pay off your debt, so you always know what’s next. The debt payoff planner tracker ensures you stay on track with monthly updates, allowing you to see exactly where you stand with your debt. This way, you can avoid surprises and manage everything in one place. With the debt tracker, you can also keep an eye on your overall debt status and stay organized by tracking both debts and receivables. The debt tracker feature is designed to provide a clear overview of what you owe and what others owe you, ensuring you never lose sight of your financial situation. Additionally, the debt payoff planner tracker keeps you informed on the progress of your debt payoff plan. Plus, the payment tracker makes it easy to monitor every payment, whether you’re paying off your debt or waiting to receive funds. Our money tracker and money tracking app also help you get a complete view of your finances, so you can always stay in control. Download Debt tracker today and take control of your debt! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

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.

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
Read 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

Debt Tracker4 screens
Stack4 screens

Verdict

The call

Debt Tracker and Stack both sit at 4.4 stars, but that hides the real split: 100% of Stack's written reviews are positive against 64% of Debt Tracker's. Stack also leads on monetization model (free vs free with in-app purchases) and device support (4 vs 2). Debt Tracker's advantage is ratings volume (105 vs 6). On price, rating, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Tracker sells 3 in-app purchases, starting at $0.99 per month and Stack sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.4 for Debt Tracker against 4.3 for Stack. That said, the two scores are not equally well evidenced: Debt Tracker has 105 ratings behind it against 6, so its average is the more settled of the two. Written reviews are what separate them: 64% of Debt Tracker's written reviews are positive against 100% of Stack's.

UpkeepUpdate frequency

Debt Tracker ships an update every 5 weeks, Stack every 6 weeks. The most recent releases landed on September 19, 2026 and September 11, 2026 respectively.

Scorecard4 real differences · 6 level
Debt Tracker versus Stack: the parameters behind the verdict, then further details
ParameterDebt TrackerStack
PriceFreeFree
Rating4.4 (105 ratings) — better4.3 (6 ratings)
Positive reviews63.6% of reviews100.0% of reviews — better
Number of ratings105 — better6
Update frequencyEvery 5 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, Mac, Apple Watch — better
Requires iOS16.416.0 — better
Further details — not scored
Size38 MB30 MB
Age rating4+4+
DeveloperAppFlux LabsLeon Boettger

Customer experience

Debt Tracker

All ratings105 ratings
Positive83.8%
Neutral6.7%
Negative9.5%
Written reviews44 reviews
Positive63.6%
Neutral9.1%
Negative27.3%

Stack

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Debt Tracker

Subscriptions2
  • 1 Month$0.991 Month
  • 12 Months$4.991 Year
One-time1
  • Lifetime$9.99
1 purchases

Stack

One-time1
  • Stack+$0.99

Questions

Is Debt Tracker free?
Debt Tracker 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 Tracker or Stack?
Debt Tracker is rated higher. Debt Tracker averages 4.4 out of 5 from 105 ratings, while Stack averages 4.3 from 6 ratings.
Do Debt Tracker or Stack have ads?
Neither Debt Tracker nor Stack shows ads.
Which is updated more often, Debt Tracker or Stack?
Debt Tracker ships an update every 5 weeks, and Stack every 6 weeks. Most recently, Debt Tracker was updated on September 19, 2026 and Stack on September 11, 2026.

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