# Debt Tracker vs Stack

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.

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.

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.

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.

## The numbers

| Metric | Debt Tracker | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews) |
| Number of ratings | **105** | 6 |
| Positive reviews | 63.6% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 38 MB | 30 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | iPhone, iPad | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [AppFlux Labs](https://appshunter.io/developer/1882687293) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month | $0.99 | per month |
| 12 Months | $4.99 | per year |
| Lifetime | $9.99 | 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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*