# Stack vs TinyDebt

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.

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.

## The numbers

| Metric | Stack | TinyDebt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews)** | [3.5 (2 ratings)](https://appshunter.io/ios/app/tinydebt-debt-payoff-planner/id6752252043/reviews) |
| Number of ratings | **6** | 2 |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 30 MB | 77 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Leon Boettger](https://appshunter.io/developer/1537384790) | [Vladislav Siumbeli](https://appshunter.io/developer/1830282251) |

## What reviewers say

### Stack

[App page](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951)

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:** Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Stack+ | $0.99 | one-time |


### TinyDebt

[App page](https://appshunter.io/ios/app/tinydebt-debt-payoff-planner/id6752252043)

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.

**Highlights:** Track multiple debt types, Debt payoff method selection, Progress visualization, Manual payment logging, Unlimited debt tracking (Pro), Interest saving calculator (Pro), Payment reminders (Pro)

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $4.99 | per month |
| Annual | $29.99 | per year |
| Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Stack free?

Stack is free to download, with in-app purchases available.

### Is TinyDebt free?

TinyDebt is free to download, with in-app purchases available.

### Which has better reviews, Stack or TinyDebt?

Stack is rated higher. Stack averages 4.3 out of 5 from 6 ratings, while TinyDebt averages 3.5 from 2 ratings.

### Do Stack or TinyDebt have ads?

Neither Stack nor TinyDebt shows ads.

### Which is updated more often, Stack or TinyDebt?

Stack ships an update every 6 weeks, and TinyDebt every 3 weeks. Most recently, Stack was updated on September 30, 2026 and TinyDebt on September 8, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*