# Debt Tracker vs Stack

The clearest difference is rating: Debt Tracker at 4.8 against Stack's 4.3. Debt Tracker also leads on ratings volume (61 vs 6) and update cadence (every 3 weeks vs every 6 weeks). Stack's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Debt Tracker sells 15 in-app purchases, starting at $2.99 per month and Stack sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debt Tracker holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: Debt Tracker has 61 ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 83% of Debt Tracker'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.

Debt Tracker ships an update every 3 weeks, Stack every 6 weeks. The most recent releases landed on September 13, 2026 and September 11, 2026 respectively.

## The numbers

| Metric | Debt Tracker | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (61 ratings)](https://appshunter.io/ios/app/debt-tracker-personal-debts/id1632402707/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews) |
| Number of ratings | **61** | 6 |
| Positive reviews | 83.3% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 46 MB | 30 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 17+ | 4+ |
| Developer | [David Serrano Canales](https://appshunter.io/developer/1544987496) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-personal-debts/id1632402707)

Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.

**Highlights:** Record who owes you money, Manage your own debts, Detailed debt data (amount, currency, payments), Global history of paid and pending debts, Add partial payments, Backup and restore records

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

**In-app purchases (15)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $2.99 | per month |
| Premium | $3.99 | per month |
| Premium | $7.49 | per month |
| Premium | $8.99 | per year |
| Premium | $11.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $17.99 | per year |
| Premium | $17.99 | per year |
| Premium | $37.99 | per year |
| Premium | $17.99 | one-time |
| Premium Lifetime | $24.99 | one-time |
| Premium | $34.99 | one-time |
| Premium | $99.99 | 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 4.8 out of 5 from 61 ratings, while Stack averages 4.3 from 6 ratings.

### Do Debt Tracker or Stack have ads?

Debt Tracker shows ads; Stack does not.

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

Debt Tracker ships an update every 3 weeks, and Stack every 6 weeks. Most recently, Debt Tracker was updated on September 13, 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.*