Sono vs Stack
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Sono
Easily track money borrowed and lent with this finance management tool. Record transactions, manage contacts, and get summaries of your debts. Offers cloud storage, PIN lock, and data export options.
- Record borrowed and lent money
- Display debt summaries
- Manage debtors and creditors
- Support multiple currencies
- Dark theme
- Transaction reminders
- Local and cloud storage
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Manage your debts easily and efficiently with Sono. Keep track of borrowed and lent money, send invoices, and stay organized — download our free app today! ▼ Why choose Sono for debt management? Avoid the hassle of forgetting important transaction details or relying on error-prone notes or Excel sheets. Sono is a smart and simple debt tracker and manager that makes it easy to record and keep track of all your financial activities. With Sono, you just record the transaction details each time you borrow or lend money — Sono does the rest. ▼ Sono's standard features include: - Clear summary dashboard of all your debts - Record transactions to track what people owe you and what you owe people - Manage debtors and creditors with notes for each contact - Repayment tracking — log repayments against open transactions - Due dates with reminders so you never forget - Multiple currencies supported - Organize transactions with tags for easy filtering - Add comments to transactions and notes to contacts - Itemized invoice generation with PDF export - Multiple accounts to keep personal and business debts separate - Dark mode, light mode, or follow system setting - Customizable color themes - Lock app with a PIN code - Store data locally on your device or sync to the cloud - Import existing data from a CSV file - Export data to PDF format - Backup and restore data ▼ Premium features: - Ad-free experience - Multi-device support — use Sono on all your devices - Multiple accounts (workspaces) - Custom currency — add your own currency unit - Interest for transactions — simple or fixed interest calculation - Attach files, photos, or audio recordings to transactions - Export data to CSV or Excel format - Biometric authentication (Face ID / Touch ID) - iCloud backup and restore - Add profile pictures for contacts - Business profile — display your business info on invoices ▼ Your data is safe and secure Your data is safe with Sono. Store information locally on your device or sync to the cloud — so you never lose your important financial data. --- About premium subscription: - At confirmation of purchase, or following the completion of a free-trial period, payment will be charged to your Apple account. - Your subscription will automatically renew unless auto-renew is turned off at least 24-hours before the end of the current subscription period. - Your account will be charged for renewal within 24-hours prior to the end of the current subscription period. Automatic renewals will cost the same price you were originally charged for the subscription. - You can manage your subscriptions and turn off auto-renewal by going to your Account Settings on the App Store after purchase. - Any unused portion of a free trial period, if offered, will be forfeited. --- Terms of Use: https://sonofinance.com/terms-conditions/ Privacy policy: https://sonofinance.com/privacy-policy/ --- If you have any questions, issues or suggestions don't hesitate to send us a message at hello@sonofinance.com. If you love our app, we would greatly appreciate it if you could leave a 5-star rating and review. Thank you!
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.
- 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
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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
Verdict
The clearest difference is ads: Stack at none against Sono's shown. Stack also leads on monetization model (free vs free with in-app purchases) and review sentiment (100% vs 89%). Sono's advantage is rating (4.7 vs 4.3) and update cadence (every 3 weeks vs every 6 weeks). On price, in-app purchases, device support and iOS requirement 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
Both are free to download. Sono sells 11 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.
Sono holds the better App Store score, 4.7 against 4.3. Both are backed by a comparable volume of ratings — 23 and 6 respectively. Written reviews complicate that: 89% of Sono'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.
Sono ships an update every 3 weeks, Stack every 6 weeks. Both last shipped on October 15, 2026.
| Parameter | Sono | Stack |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (23 ratings) — better | 4.3 (6 ratings) |
| Positive reviews | 88.9% of reviews | 100.0% of reviews — better |
| Number of ratings | 23 — better | 6 |
| Update frequency | Every 3 weeks — better | Every 6 weeks |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Mac, Apple Watch — better |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 96 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Danh Minh Ngo | Leon Boettger |
Customer experience
Sono
Stack
In-app purchases
Sono
- Monthly7 Days trial$3.991 Month
- 3 months7 Days trial$8.993 Months
- Professional Monthly$12.991 Month
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- Annual$17.991 Year
- Annual14 Days trial$17.991 Year
- Annual7 Days trial$29.991 Year
- Professional Annually$129.991 Year
- Ads removal$9.99
- Lifetime premium$49.99
- Lifetime premium$69.99
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- Lifetime premium$99.99
Stack
- Stack+$0.99






