Comparison

Stack vs Saving Diary

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

Saving Diary

Manage your finances effortlessly by tracking expenses, setting savings goals, and creating budgets. This app helps you monitor debts, organize money across multiple wallets, and gain insights into spending habits with detailed reports. It offers offline functionality and data export for complete financial control.

Highlights
  • Track expenses and income
  • Set and monitor savings goals
  • Manage debt repayment
  • Organize finances with multi-wallet support
  • Create budgets and view reports
  • Export and import financial data
  • Offline mode for data security
Features
Read full description

Saving Diary: Expense Tracker & Budget Take control of your money with Saving Diary, the ultimate finance app for managing expenses, saving goals, and budgeting. Whether you're saving for a dream vacation, paying off loans, or just want to know where your paycheck goes, Saving Diary makes it simple and fun. Key Features: * Track Expenses & Income: - Log daily transactions in seconds – from coffee runs to rent payments. - Categorize spending to see exactly where your money goes. * Savings Goals: - Set goals (e.g., a new laptop, emergency fund) and track your progress. - Stay motivated with visual progress bars and reminders. * Debt Tracker: - Track what you owe and what others owe you. - Make partial payments and see your balances shrink over time. * Multi-Wallet Support: - Organize your money with multiple wallets (e.g., Cash, Bank, E-Wallet). - View your Active Balance (spendable money) and Total Wealth (net worth). - Archive unused wallets to keep things tidy. - Exclude specific wallets from stats when needed. * Budgeting & Reports: - Create monthly budgets and avoid overspending. - Get detailed reports on spending patterns, income trends, and savings progress. * Labels - Group multiple categories under one label (e.g., Travel, Projects) - Easy to track all spending related to the same event - View label summaries for better insights * Export & Import - Export your data anytime (CSV & Excel format) - Import past records or move from another app - Keep full control of your financial history * Offline Mode: - Use the app without an internet connection – your data stays secure on your device. * Customizable Categories: - Personalize expense categories with vibrant icons and colors. * Language Support: - Use the app in many languages for a more comfortable experience. Why Choose Saving Diary? • Simple & Clean Design: Easy to use, even if you’re new to budgeting. • All-in-One Solution: Combines expense tracking, saving goals, debt management, and budgeting in one app. • Secure & Private: Your financial data is safe and never shared with third parties. Download Now and Take Control of Your Money! Ready to simplify your finances? Download Saving Diary today and start your journey to financial freedom. Terms of Use: https://www.savingdiary.com/terms-of-service/ Privacy Policy: https://www.savingdiary.com/privacy/ Support: hello@savingdiary.com

Screenshots

Stack4 screens
Saving Diary4 screens

Verdict

The call

The clearest difference is ads: Stack at none against Saving Diary's shown. Stack also leads on monetization model (free vs free with in-app purchases) and rating (4.3 vs 4.0). On price, ratings volume, update cadence and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Stack sells 1 one-off in-app purchase and Saving Diary sells 2 in-app purchases, starting at $1.49 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Stack holds the better App Store score, 4.3 against 4.0. Both are backed by a comparable volume of ratings — 6 and 3 respectively.

UpkeepUpdate frequency

Stack ships an update every 6 weeks, Saving Diary monthly. The most recent releases landed on October 15, 2026 and October 9, 2026 respectively.

Scorecard3 real differences · 7 level
Stack versus Saving Diary: the parameters behind the verdict, then further details
ParameterStackSaving Diary
PriceFreeFree
Rating4.3 (6 ratings) — better4.0 (3 ratings)
Positive reviews100.0% of reviews—
Number of ratings6 — better3
Update frequencyEvery 6 weeksMonthly — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad, iPod
Requires iOS16.015.1 — better
Further details — not scored
Size30 MB55 MB
Age rating4+4+
DeveloperLeon BoettgerPT Reksa Karya Digital

Customer experience

Stack

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Saving Diary

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

1 purchases

Stack

One-time1
  • Stack+$0.99
2 purchases

Saving Diary

Subscriptions2
  • Monthly Plan$1.491 Month
  • Annual Plan$9.901 Year

Questions

Is Stack free?
Stack is free to download, with in-app purchases available.
Is Saving Diary free?
Saving Diary is free to download, with in-app purchases available.
Which has better reviews, Stack or Saving Diary?
Stack is rated higher. Stack averages 4.3 out of 5 from 6 ratings, while Saving Diary averages 4.0 from 3 ratings.
Do Stack or Saving Diary have ads?
Saving Diary shows ads; Stack does not.
Which is updated more often, Stack or Saving Diary?
Stack ships an update every 6 weeks, and Saving Diary monthly. Most recently, Stack was updated on October 15, 2026 and Saving Diary on October 9, 2026.

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