Comparison

Stack vs DebtFlow

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

DebtFlow

Features
Read full description

DebtFlow ist Ihre intelligente Lösung für effektives Schuldenmanagement. Mit unserer App können Sie Ihre Schulden übersichtlich verwalten, Zahlungspläne erstellen und Ihre finanziellen Ziele erreichen. Profitieren Sie von automatischen Erinnerungen, detaillierten Analysen und einem benutzerfreundlichen Interface. DebtFlow unterstützt Sie dabei, Ihre Finanzen unter Kontrolle zu bringen und Ihre Schulden systematisch abzubauen.

Screenshots

Stack4 screens
DebtFlow3 screens

Verdict

The call

The clearest difference is in-app purchases: DebtFlow at none against Stack's 1. Stack's advantage is update cadence (every 6 weeks vs every 3 months). On price, ads, device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Stack sells 1 one-off in-app purchase. DebtFlow asks for nothing beyond the download.

UpkeepUpdate frequency

Stack ships an update every 6 weeks, DebtFlow every 3 months. The most recent releases landed on September 30, 2026 and September 26, 2026 respectively.

Scorecard2 real differences · 8 level
Stack versus DebtFlow: the parameters behind the verdict, then further details
ParameterStackDebtFlow
PriceFreeFree
Rating4.3 (6 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree—
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad, iPod
Requires iOS16.015.1 — better
Further details — not scored
Size30 MB27 MB
Age rating4+4+
DeveloperLeon BoettgerOnlineBuilders LLC

In-app purchases

1 purchases

Stack

One-time1
  • Stack+$0.99
None

DebtFlow

No in-app purchases

Questions

Is Stack free?
Stack is free to download, with in-app purchases available.
Is DebtFlow free?
DebtFlow is free to download, with no in-app purchases.
Do Stack or DebtFlow have ads?
Neither Stack nor DebtFlow shows ads.
Which is updated more often, Stack or DebtFlow?
Stack ships an update every 6 weeks, and DebtFlow every 3 months. Most recently, Stack was updated on September 30, 2026 and DebtFlow on September 26, 2026.

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