# IOU vs Stack

The clearest difference is review sentiment: Stack at 100% against IOU's 0%. Stack also leads on rating (4.3 vs 2.5) and ads (none vs shown). On price, update cadence, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. IOU sells 2 in-app purchases, starting at $3.99 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 2.5. Both are backed by a comparable volume of ratings — 2 and 6 respectively. Written reviews point the same way: 0% of IOU's written reviews are positive against 100% of Stack's.

IOU ships an update every 2 months, Stack every 6 weeks. Both last shipped on November 3, 2026.

## The numbers

| Metric | IOU | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (2 ratings)](https://appshunter.io/ios/app/iou-money/id1557082693/reviews) | **[4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews)** |
| Number of ratings | 2 | **6** |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 32 MB | 32 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | iPhone, iPod | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Nikesh Shakya](https://appshunter.io/developer/1706815426) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### IOU

[App page](https://appshunter.io/ios/app/iou-money/id1557082693)

Effortlessly manage your finances with this comprehensive budgeting and expense tracking app. Monitor spending, track debts and credits, and gain insights into your financial health with detailed reports and customizable features.

**Highlights:** Comprehensive expense tracking, Debt and credit management, Multiple currency support, Income and expense reports, Automatic report generation, Customizable manual updates, Loan tracking between friends/family

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| Yearly | $19.99 | per year |


### 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 IOU free?

IOU 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, IOU or Stack?

Stack is rated higher. IOU averages 2.5 out of 5 from 2 ratings, while Stack averages 4.3 from 6 ratings.

### Do IOU or Stack have ads?

IOU shows ads; Stack does not.

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

IOU ships an update every 2 months, and Stack every 6 weeks. Most recently, IOU was updated on November 3, 2026 and Stack on November 3, 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.*