# Stack vs Owl Debt Focus

The clearest difference is review sentiment: Stack at 100% against Owl Debt Focus's 0%. Stack also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, 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 Owl Debt Focus sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Stack ships an update every 6 weeks, Owl Debt Focus every 3 months. The most recent releases landed on September 11, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | Stack | Owl Debt Focus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews)** | — |
| Number of ratings | **6** | — |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 6 weeks** | Every 3 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 30 MB | 27 MB |
| Requires iOS | **16.0** | 18.2 |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Leon Boettger](https://appshunter.io/developer/1537384790) | [鲁 黄](https://appshunter.io/developer/1696562503) |

## 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 |


### Owl Debt Focus

[App page](https://appshunter.io/ios/app/owl-debt-focus/id6473243383)

Plan debt payments around your paychecks with a calm, focused approach. Track due dates, manage payments, and get structured check-ins to stay on top of your financial goals. Offers optional iCloud sync and screenshot scanning for easier data entry.

**Highlights:** Plan debt around each paycheck, Track overdue and upcoming payments, Generate structured check-ins, Add payment reminders to Apple Calendar, Share progress without revealing amounts, Offline-first privacy, Screenshot scanning for data entry

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Plan Pro Monthly | $4.99 | per month |
| Debt Plan Pro Annual | $29.99 | per year |
| Debt Plan Pro Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is Stack free?

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

### Is Owl Debt Focus free?

Owl Debt Focus is free to download, with in-app purchases available.

### Do Stack or Owl Debt Focus have ads?

Owl Debt Focus shows ads; Stack does not.

### Which is updated more often, Stack or Owl Debt Focus?

Stack ships an update every 6 weeks, and Owl Debt Focus every 3 months. Most recently, Stack was updated on September 11, 2026 and Owl Debt Focus on September 21, 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.*