Comparison

Stack vs Splitly

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

Splitly

Features
Read full description

Splitly – Your Smart Income Splitter & Budget Planner Take control of your money like never before. Splitly helps you manage your monthly income by automatically dividing it across essential categories — expenses, investing, saving, fun, and more. Whether you're working toward financial freedom, embracing stoic discipline, or just want to spend smarter, Splitly makes it easy and rewarding. Features: Enter your monthly income and main expenses Automatically split the rest into smart categories Choose your mindset: Stoic, Growth, YOLO, Balanced, or Chaos Visualize your spending with elegant pie charts and bar charts Generate PDF budget reports instantly Light & Dark mode with beautiful design Motivational quotes to inspire better money habits Built for Discipline and Freedom Splitly isn't just another expense tracker — it helps you plan ahead with intention. Every month is a new opportunity to grow, save, and enjoy life.

Screenshots

Stack4 screens
Splitly4 screens

Verdict

The call

The clearest difference is in-app purchases: Splitly at none against Stack's 1. Stack's advantage is device support (4 vs 2). On price, ads 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. Splitly asks for nothing beyond the download.

Scorecard2 real differences · 8 level
Stack versus Splitly: the parameters behind the verdict, then further details
ParameterStackSplitly
PriceFreeFree
Rating4.3 (6 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 6 weeks—
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree—
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better16.6
Further details — not scored
Size30 MB23 MB
Age rating4+4+
DeveloperLeon BoettgerAbdullah Sulaiman

In-app purchases

1 purchases

Stack

One-time1
  • Stack+$0.99
None

Splitly

No in-app purchases

Questions

Is Stack free?
Stack is free to download, with in-app purchases available.
Is Splitly free?
Splitly is free to download, with no in-app purchases.
Do Stack or Splitly have ads?
Neither Stack nor Splitly shows ads.

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