Stack vs Debt Tracker Master
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Debt Tracker Master
This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.
- Debt recording and organization
- Repayment progress tracking
- Payment planning outlook
- Customizable payment reminders
- Personal finance learning resources
- Debt reduction reports
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Take control of your debt with Debt Tracker Master, a simple tool to record, organize, and monitor your personal debts. Track balances, due dates, and repayment progress so you can plan more confidently. Key Features 1. Dashboard • View total debt, breakdown by type, repayment progress, and upcoming payments • See your remaining balance and payoff timeline at a glance 2. Debt Recording • Add debts with details such as amount, lender, interest rate, start date, and due date 3. Repayment Tracking • Track balance changes as you record payments • Review progress across different debt types (e.g., credit card, mortgage, personal loan) 4. Debt Organization • Categorize debts by type (credit card, student loan, mortgage, etc.) or priority to plan repayments more effectively 5. Payment Planning • View a 6-month payment outlook with charts to understand upcoming obligations 6. Reminders and Notifications • Customize reminders so you don’t miss a payment • Choose reminders for the due date, 1 day before, or 2 days before 7. Learning Resources • Explore the Learn tab for practical personal finance guidance • Understand loan basics, key terms, common calculation methods, and repayment approaches • Learn about common borrowing pitfalls and ways to reduce risk with simple, general-audience examples 8. Reports and Insights • View reports and insights on your debt reduction progress 9. User Support • Get in-app support for questions or concerns • Access the app’s terms of use, privacy policy, and contact information 10. Settings and Customization • Customize reminder settings and reminder times • Send feedback and rate the app to help us improve If you enjoy using Debt Tracker Master, please consider leaving a review. Disclaimer: Debt Tracker Master does not provide loans, credit offers, or financial services. It is a personal tracking tool for recording debts and planning repayments.
Screenshots
Verdict
The clearest difference is review sentiment: Stack at 100% against Debt Tracker Master's 0%. Stack also leads on rating (4.3 vs 3.7) and ads (none vs shown). Debt Tracker Master's advantage is update cadence (every 3 days vs every 6 weeks). On price, ratings volume, in-app purchases and iOS requirement 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
Both are free to download. Stack sells 1 one-off in-app purchase and Debt Tracker Master sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
Stack holds the better App Store score, 4.3 against 3.7. Both are backed by a comparable volume of ratings — 6 and 3 respectively. Written reviews point the same way: 100% of Stack's written reviews are positive against 0% of Debt Tracker Master's.
Stack ships an update every 6 weeks, Debt Tracker Master every 3 days. The most recent releases landed on September 30, 2026 and September 23, 2026 respectively.
| Parameter | Stack | Debt Tracker Master |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (6 ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 100.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 6 — better | 3 |
| Update frequency | Every 6 weeks | Every 3 days — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone, iPad |
| Requires iOS | 16.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 30 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | Leon Boettger | 娜 杨 |
Customer experience
Stack
Debt Tracker Master
In-app purchases
Stack
- Stack+$0.99
Debt Tracker Master
- DebtTracker Pro Monthly$3.991 Month
- DebtTracker Pro Yearly3 Days trial$17.991 Year
- Remove Ads$3.99
- DebtTracker Pro Lifetime$39.99








