# Stack vs Debt Payoff

The clearest difference is device support: Stack at 4 against Debt Payoff's 2. Stack also leads on iOS requirement (16.0 vs 18.5). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Stack sells 1 one-off in-app purchase and Debt Payoff sells 2 in-app purchases, starting at $3.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Stack ships an update every 6 weeks, Debt Payoff monthly. The most recent releases landed on October 15, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Stack | Debt Payoff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews)** | — |
| Number of ratings | **6** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | Free | — |
| Size | 30 MB | 15 MB |
| Requires iOS | **16.0** | 18.5 |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Leon Boettger](https://appshunter.io/developer/1537384790) | [Yalcin Golayoglu](https://appshunter.io/developer/1607333007) |

## 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 |


### Debt Payoff

[App page](https://appshunter.io/ios/app/debt-payoff-debity/id6755724921)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Tracker Weekly | $3.99 | per 7 days |
| Debt Tracker Annual | $19.99 | per year |


## Frequently asked questions

### Is Stack free?

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

### Is Debt Payoff free?

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

### Do Stack or Debt Payoff have ads?

Neither Stack nor Debt Payoff shows ads.

### Which is updated more often, Stack or Debt Payoff?

Stack ships an update every 6 weeks, and Debt Payoff monthly. Most recently, Stack was updated on October 15, 2026 and Debt Payoff on October 17, 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.*