Stack vs Embr Burn Your Debts
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.
Embr Burn Your Debts
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Embr - Burn Down Debts Take control of your finances with Embr, the ultimate debt payoff planning app! Key Features: • Sleek, Intuitive Interface: Enjoy a user-friendly design that makes managing your debt a breeze. • Instant Calculations: Get real-time updates on your payoff plans with lightning-fast calculations. • Privacy First: Your data is yours alone—Embr features zero data collection to keep your information safe. • Seamless iCloud Sync: Effortlessly access your debt plans across all your Apple devices. Simply input your debt details and watch as Embr generates two personalized payoff plans to keep you motivated on your journey to financial freedom. Want to tackle a specific debt first? Just drag and reorder your debts, and see instant recalculations tailored to your strategy. Developed with a deep understanding of financial needs, Embr’s algorithms have been verified by an accountant to ensure accuracy and effectiveness. With our "Paying Extra" plan, you can prioritize your debts while factoring in interest rates and extra payments, giving you a clear path to becoming debt-free faster. Download Embr today and start your journey to financial empowerment! Special Thank You to my best friend, Austin Buck who created the App Icons, and App Store Previews. He was also incredibly helpful in providing QA to this project and general design guidance.
Screenshots
Verdict
The clearest difference is price: Stack at Free against Embr Burn Your Debts's $3.99. Stack also leads on iOS requirement (16.0 vs 18.0). Embr Burn Your Debts's advantage is in-app purchases (none vs 1). On update cadence, ads and device support 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
Stack is free to download; Embr Burn Your Debts costs $3.99 up front. Stack sells 1 one-off in-app purchase. Embr Burn Your Debts asks for nothing beyond the download.
Stack ships an update every 6 weeks, Embr Burn Your Debts monthly. The most recent releases landed on September 30, 2026 and October 3, 2026 respectively.
| Parameter | Stack | Embr Burn Your Debts |
|---|---|---|
| Price | Free — better | $3.99 |
| Rating | 4.3 (6 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 6 — better | — |
| Update frequency | Every 6 weeks | Monthly — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free | — |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone, iPad, Apple Watch |
| Requires iOS | 16.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 30 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | Leon Boettger | Blaine Miller |
In-app purchases
Stack
- Stack+$0.99
Embr Burn Your Debts
No in-app purchases
Questions
Is Stack free?
Is Embr Burn Your Debts free?
Do Stack or Embr Burn Your Debts have ads?
Which is updated more often, Stack or Embr Burn Your Debts?
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