# Debt Zero vs Stack

The clearest difference is review sentiment: Stack at 100% against Debt Zero's 75%. Stack also leads on monetization model (free vs freemium) and rating (4.3 vs 4.1). Debt Zero's advantage is update cadence (every 3 weeks vs every 6 weeks). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Zero sells 6 in-app purchases, starting at $1.99 per month and Stack sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Stack holds the better App Store score, 4.3 against 4.1. Both are backed by a comparable volume of ratings — 14 and 6 respectively. Written reviews point the same way: 75% of Debt Zero's written reviews are positive against 100% of Stack's.

Debt Zero ships an update every 3 weeks, Stack every 6 weeks. The most recent releases landed on October 3, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Debt Zero | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (14 ratings)](https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557/reviews) | **[4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews)** |
| Number of ratings | **14** | 6 |
| Positive reviews | 75.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 6 weeks |
| Monetization | Freemium | **Free** |
| Size | 208 MB | 30 MB |
| Requires iOS | 26.0 | **16.0** |
| Devices | iPhone, iPad | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Casi Knibbs](https://appshunter.io/developer/1521549479) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### Debt Zero

[App page](https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557)

This app helps you manage and pay off your debts using popular methods like snowball or avalanche. Plan your payments, track progress with timelines, and visualize savings. Personalize your experience and stay motivated with widgets.

**Highlights:** Debt payoff planning, Snowball and avalanche methods, Payment calendar, Progress tracking, Savings estimates, Customization options, Home screen widgets

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Enable All Features | $1.99 | per month |
| Enable All Features | $9.99 | per year |
| Enable All Features | $9.99 | per year |
| Enable All Features | $14.99 | per year |
| Unlock Themes & Icons | $1.99 | one-time |
| Enable All Features | $39.99 | 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 Zero free?

Debt Zero 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 Zero or Stack?

Stack is rated higher. Debt Zero averages 4.1 out of 5 from 14 ratings, while Stack averages 4.3 from 6 ratings.

### Do Debt Zero or Stack have ads?

Neither Debt Zero nor Stack shows ads.

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

Debt Zero ships an update every 3 weeks, and Stack every 6 weeks. Most recently, Debt Zero was updated on October 3, 2026 and Stack on October 15, 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.*