Stack vs TinyDebt
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.
TinyDebt
Organize credit card debt, personal loans, and mortgages in one place. Choose between the Debt Snowball or Debt Avalanche method to create a clear path to financial freedom. Track your progress and get smart notifications to stay on top of payments.
- Track multiple debt types
- Debt payoff method selection
- Progress visualization
- Manual payment logging
- Unlimited debt tracking (Pro)
- Interest saving calculator (Pro)
- Payment reminders (Pro)
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Take control of your finances and become debt-free with TinyDebt, the ultimate debt payoff tracker. Stop struggling with complicated spreadsheets. TinyDebt is a simple loan manager designed to help you organize credit card debt, personal loans, and mortgages in one place. Whether you prefer the Debt Snowball or Debt Avalanche method, our payoff planner gives you a clear path to financial freedom. Stay Organized (Free Debt Tracker) - Track Loans: Manage up to 3 debts including credit cards and student loans. - Debt Dashboard: View your total balance and monthly repayment plan at a glance. - Progress Tracking: Log payments manually and watch your debt-free date get closer. Go Pro (Accelerate Your Debt Payoff) Upgrade to TinyDebt Pro for advanced finance tools that help you save money on interest: - Unlimited Debts: Track your entire financial portfolio. - Snowball & Avalanche: Automatically calculate the fastest way to pay off debt. - What-If Calculator: See how extra payments reduce your interest and time. - Payment Reminders: Never miss a due date with smart notifications. Secure & Private Loan Management As a solo developer, I value your privacy. Your financial data stays on your device. TinyDebt is an offline debt tracker—no bank syncing required and no data sharing. Why Choose TinyDebt? Users love our intuitive debt calculator and motivating charts. If you need a clean IOU tracker or a professional debt payoff planner, TinyDebt is the simplest tool on the App Store. Start your journey today. Download the best debt tracker and see how fast you can become debt-free! By using this app, you agree to Apple's Standard End User License Agreement (EULA). You can read the full EULA here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is review sentiment: Stack at 100% against TinyDebt's 50%. Stack also leads on rating (4.3 vs 3.5) and monetization model (free vs free with in-app purchases). TinyDebt's advantage is update cadence (every 3 weeks vs every 6 weeks). On price, ads, 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 TinyDebt sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
Stack holds the better App Store score, 4.3 against 3.5. Both are backed by a comparable volume of ratings — 6 and 2 respectively. Written reviews point the same way: 100% of Stack's written reviews are positive against 50% of TinyDebt's.
Stack ships an update every 6 weeks, TinyDebt every 3 weeks. The most recent releases landed on September 30, 2026 and September 8, 2026 respectively.
| Parameter | Stack | TinyDebt |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (6 ratings) — better | 3.5 (2 ratings) |
| Positive reviews | 100.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 6 — better | 2 |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| 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 | 16.4 |
| Further details — not scored | ||
| Size | 30 MB | 77 MB |
| Age rating | 4+ | 4+ |
| Developer | Leon Boettger | Vladislav Siumbeli |
Customer experience
Stack
TinyDebt
In-app purchases
Stack
- Stack+$0.99
TinyDebt
- Monthly3 Days trial$4.991 Month
- Annual3 Days trial$29.991 Year
- Lifetime$79.99









