Comparison

Stack vs Budgit

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

Budgit

Features
Read full description

Budgit is the social network for your wallet. Share your daily spending, follow friends, and discover how the people around you manage their money. Post your daily spending breakdown and browse what others are spending on. Like, comment, and engage with your friends' financial journeys. Connect your Wise bank account to automatically sync transactions - no manual entry needed. KEY FEATURES: Daily Spending Posts - Share a snapshot of your daily spending with your followers. Each post shows where your money went, broken down by transaction. Social Feed - Scroll through a feed of spending posts from people you follow. Like, dislike, and comment on posts to stay engaged. Wise Bank Integration - Connect your Wise account to automatically pull in your transactions. Your spending posts are generated from real data, not guesswork. Spending Charts - View your spending trends over weeks, months, or years right on your profile. Track your average daily spending and spot patterns. Search and Follow - Find friends by username and follow them to see their posts in your feed. Comments and Reactions - Start conversations about spending habits. Share tips, ask questions, or just react to a friend's daily total. Budgit is not a budgeting tool that tells you what to do. It is a social space where you and your friends can be open about money, learn from each other, and build better habits together.

Screenshots

Stack4 screens
Budgit4 screens

Verdict

The call

The clearest difference is in-app purchases: Budgit at none against Stack's 1. Budgit also leads on update cadence (every 3 days vs every 6 weeks). 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. Budgit asks for nothing beyond the download.

UpkeepUpdate frequency

Stack ships an update every 6 weeks, Budgit every 3 days. Both last shipped on October 25, 2026.

Scorecard3 real differences · 7 level
Stack versus Budgit: the parameters behind the verdict, then further details
ParameterStackBudgit
PriceFreeFree
Rating4.3 (6 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 6 weeksEvery 3 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree—
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPod
Requires iOS16.015.1 — better
Further details — not scored
Size32 MB29 MB
Age rating4+4+
DeveloperLeon BoettgerMateus Saar

In-app purchases

1 purchases

Stack

One-time1
  • Stack+$0.99
None

Budgit

No in-app purchases

Questions

Is Stack free?
Stack is free to download, with in-app purchases available.
Is Budgit free?
Budgit is free to download, with no in-app purchases.
Do Stack or Budgit have ads?
Neither Stack nor Budgit shows ads.
Which is updated more often, Stack or Budgit?
Stack ships an update every 6 weeks, and Budgit every 3 days. Most recently, Stack was updated on October 25, 2026 and Budgit on October 25, 2026.

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