# Stack vs Saving Diary

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.

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.

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.

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

## The numbers

| Metric | Stack | Saving Diary |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews)** | [4.0 (3 ratings)](https://appshunter.io/ios/app/saving-diary-money-manager/id6464059456/reviews) |
| Number of ratings | **6** | 3 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 30 MB | 55 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Leon Boettger](https://appshunter.io/developer/1537384790) | [PT Reksa Karya Digital](https://appshunter.io/developer/1705409671) |

## 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 |


### Saving Diary

[App page](https://appshunter.io/ios/app/saving-diary-money-manager/id6464059456)

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:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Plan | $1.49 | per month |
| Annual Plan | $9.90 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*