Stack vs Sparely
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Stack
This app gamifies savings with interactive themes and progress tracking. Set unlimited goals, monitor deposits, and celebrate milestones as your wealth grows. Unlock full features with a premium subscription.
- Gamified savings tracker
- Unlimited savings goals
- Visual savings world themes
- Streak and milestone tracking
- Savings insights and analytics
- Shareable milestone cards
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Saving money doesn’t have to feel boring. Stack turns saving into something you can see, celebrate, and actually want to keep doing. Whether you’re saving for a wedding, vacation, new car, emergency fund, dream home, or simply a more secure future, Stack helps you turn big financial goals into small, achievable Money Moves. Every deposit is progress. Every milestone deserves to be celebrated. And every little move gets you closer to the life you’re building. BUILD YOUR STACK Create personalized savings goals and watch your progress grow with every Money Move. See how much you’ve saved, how much is left, and how close you are to your next milestone. MAKE MONEY MOVES Saved $10 by cooking at home? Skipped your coffee run? Got paid and moved $50 into savings? Log it as a Money Move and put it toward the goal that matters to you. Small amounts count here. SET GOALS THAT FEEL POSSIBLE Break big dreams into smaller steps. Create Stacks for things like: • Emergency funds • Vacations • Weddings • A new car • A future home • Gifts • Your next big dream WATCH YOUR STACK WORLD GROW Your savings don't just change a number. As you make progress, your Stack World grows with you, turning your financial progress into something visual and rewarding. TAKE ON SAVINGS CHALLENGES Need a little motivation? Complete challenges like the 7-Day Stack, 10 Money Moves, and other savings challenges designed to help you build consistency without making saving feel overwhelming. COLLECT YOUR WINS Unlock milestones and rewards as your savings grow. Celebrate your first Money Move, first $100, first $1,000, and the bigger milestones waiting ahead. UNLOCK YOUR MONEY ERA Your progress unlocks new avatar icons and collectibles, giving your Stack a little more personality as you grow. Because financial progress can be practical and cute. CELEBRATE YOUR PROGRESS Big milestone? Create a shareable celebration card and give yourself credit for how far you’ve come. You’re not just saving money. You’re building habits, confidence, and a brighter future one little move at a time. Stack it. Track it. Watch it grow.
Sparely
Track money saved by reducing or skipping spending habits like daily coffee or impulse buys. Visualize your savings with custom habits, goals, and detailed statistics. A simple, focused approach to financial awareness.
- Habit tracking with price and mode
- Savings goals with progress
- Detailed statistics by habit
- Dashboard with total savings
- Home screen widget
- Customizable habits
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Sparely is a savings tracker for everyday habits and expenses that add up. Delivery food, daily coffee, snacks, impulse buys, or other recurring costs: pick what you want to skip or reduce, enter the real cost, and see how much money you keep. When an urge hits, the AI coach gives you a short, calm reply to help you get through the moment and stay focused on your goal. FEATURES • Track money saved from habits you reduce or skip • AI coach for urges and difficult moments • Set savings goals for what the money is for • See today, week, year, and all-time stats • View your savings history over time • Add custom habits with cost and frequency • Weekly recap of your saved money • One calm dashboard focused on savings • Start free; Pro unlocks unlimited habits, goals, AI coach, weekly recap, and full stats Spend less. Keep more. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is monetization model: Sparely at free with in-app purchases against Stack's subscription. Sparely also leads on iOS requirement (13.0 vs 15.1). Stack's advantage is update cadence (every 2 days vs monthly). On price, review sentiment, ads and in-app purchases 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 3 in-app purchases, starting at $0.99 per 7 days and Sparely sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
Stack ships an update every 2 days, Sparely monthly. The most recent releases landed on October 28, 2026 and October 22, 2026 respectively.
| Parameter | Stack | Sparely |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | — |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 2 — better | — |
| Update frequency | Every 2 days — better | Monthly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Subscription | Free with in-app purchases — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 52 MB | 46 MB |
| Age rating | 4+ | 17+ |
| Developer | Meaghan Zuttermeister | Anastasia Paskar |
Customer experience
Stack
Sparely
In-app purchases
Stack
- Stack Premium$0.997 Days
- Stack Premium$4.991 Month
- Stack Premium Yearly7 Days trial$39.991 Year
Sparely
- Sparely Pro (Monthly)7 Days trial$2.991 Month
- Sparely Pro (Yearly)14 Days trial$29.991 Year







