# Stack vs My Debt Manager & Tracker

The clearest difference is rating: My Debt Manager & Tracker at 5.0 against Stack's 4.3. My Debt Manager & Tracker also leads on 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, review sentiment, ratings volume and in-app purchases there is nothing between them.

Both are free to download. Stack sells 1 one-off in-app purchase and My Debt Manager & Tracker sells 4 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

My Debt Manager & Tracker holds the better App Store score, 5.0 against 4.3. Both are backed by a comparable volume of ratings — 6 and 7 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Stack ships an update every 6 weeks, My Debt Manager & Tracker every 3 weeks. The most recent releases landed on September 11, 2026 and September 7, 2026 respectively.

## The numbers

| Metric | Stack | My Debt Manager & Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews) | **[5.0 (7 ratings)](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466/reviews)** |
| Number of ratings | 6 | **7** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 30 MB | 128 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Leon Boettger](https://appshunter.io/developer/1537384790) | [GHAZALI KABIRU](https://appshunter.io/developer/1656605038) |

## What reviewers say

### 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 |


### My Debt Manager & Tracker

[App page](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466)

Easily track and manage all your debts and loans in one place. This app simplifies due dates, payments, and balances with intuitive color coding and automatic data backup. It supports multiple currencies, recurring payments, and offers AI-driven insights to help reduce debt stress.

**Highlights:** Track debts and loans, Recurring payment management, AI debt stress reduction, Multi-currency support, Automatic data backup, Payment proof uploads, Reminder notifications

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 month subscription | $0.99 | one-time |
| 3 months subscription | $2.99 | one-time |
| 1 year subscription | $4.99 | one-time |
| 6 months subscription | $5.99 | one-time |


## Frequently asked questions

### Is Stack free?

Stack is free to download, with in-app purchases available.

### Is My Debt Manager & Tracker free?

My Debt Manager & Tracker is free to download, with in-app purchases available.

### Which has better reviews, Stack or My Debt Manager & Tracker?

My Debt Manager & Tracker is rated higher. Stack averages 4.3 out of 5 from 6 ratings, while My Debt Manager & Tracker averages 5.0 from 7 ratings.

### Do Stack or My Debt Manager & Tracker have ads?

My Debt Manager & Tracker shows ads; Stack does not.

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

Stack ships an update every 6 weeks, and My Debt Manager & Tracker every 3 weeks. Most recently, Stack was updated on September 11, 2026 and My Debt Manager & Tracker on September 7, 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.*