# Owe vs Stack

The clearest difference is review sentiment: Stack at 100% against Owe's 50%. Stack also leads on rating (4.3 vs 1.8) and ads (none vs shown). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

Both are free to download. Owe sells 2 one-off in-app purchases and Stack sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Stack holds the better App Store score, 4.3 against 1.8. Both are backed by a comparable volume of ratings — 4 and 6 respectively. Written reviews point the same way: 50% of Owe's written reviews are positive against 100% of Stack's.

Owe ships an update every 2 months, Stack every 6 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Owe | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (4 ratings)](https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560/reviews) | **[4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews)** |
| Number of ratings | 4 | **6** |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 19 MB | 32 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | iPhone, iPad | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Andy Dobson](https://appshunter.io/developer/619478854) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### Owe

[App page](https://appshunter.io/ios/app/owe-monthly-expense-tracker/id674210560)

This app helps you manage personal finances by tracking who owes you money and who you owe. It simplifies budgeting and ensures you never miss payment deadlines. Visualize your finances with list or calendar views and stay informed with a convenient homepage widget.

**Highlights:** Track one-off payments, Manage recurring payments, Filter payments by status/type, Customizable date and currency formats, List and calendar payment views, Homepage widget for upcoming payments

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Adverts | $3.99 | one-time |
| Owe Pro | $4.99 | one-time |


### 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 |


## Frequently asked questions

### Is Owe free?

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

### Is Stack free?

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

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

Stack is rated higher. Owe averages 1.8 out of 5 from 4 ratings, while Stack averages 4.3 from 6 ratings.

### Do Owe or Stack have ads?

Owe shows ads; Stack does not.

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

Owe ships an update every 2 months, and Stack every 6 weeks. Most recently, Owe was updated on October 26, 2026 and Stack on October 25, 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.*