Comparison

Stack vs Embr Burn Your Debts

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

Embr Burn Your Debts

Features
Read full description

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

Stack4 screens
Embr Burn Your Debts3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
Stack versus Embr Burn Your Debts: the parameters behind the verdict, then further details
ParameterStackEmbr Burn Your Debts
PriceFree — better$3.99
Rating4.3 (6 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 6 weeksMonthly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree—
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad, Apple Watch
Requires iOS16.0 — better18.0
Further details — not scored
Size30 MB10 MB
Age rating4+4+
DeveloperLeon BoettgerBlaine Miller

In-app purchases

1 purchases

Stack

One-time1
  • Stack+$0.99
None

Embr Burn Your Debts

No in-app purchases

Questions

Is Stack free?
Stack is free to download, with in-app purchases available.
Is Embr Burn Your Debts free?
Embr Burn Your Debts costs $3.99, with no in-app purchases.
Do Stack or Embr Burn Your Debts have ads?
Neither Stack nor Embr Burn Your Debts shows ads.
Which is updated more often, Stack or Embr Burn Your Debts?
Stack ships an update every 6 weeks, and Embr Burn Your Debts monthly. Most recently, Stack was updated on September 30, 2026 and Embr Burn Your Debts on October 3, 2026.

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