# Debts Break vs Stack

The clearest difference is review sentiment: Stack at 100% against Debts Break's 61%. Stack also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). Debts Break's advantage is ratings volume (96 vs 6). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months 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 4.1. That said, the two scores are not equally well evidenced: Debts Break has 96 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 61% of Debts Break's written reviews are positive against 100% of Stack's.

Debts Break ships an update every 7 months, Stack every 6 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Debts Break | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews) | **[4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews)** |
| Number of ratings | **96** | 6 |
| Positive reviews | 61.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | **Every 6 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 40 MB | 32 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | iPhone, iPad, iPod, Apple Watch | iPhone, iPad, Mac, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### Debts Break

[App page](https://appshunter.io/ios/app/debts-break/id849585927)

This app helps you become debt-free using popular payoff strategies like the Snowball method. It offers visual tracking, detailed reports, and multiple payoff plans to manage your debts effectively and save on interest.

**Highlights:** Debt payoff strategies (Snowball, Highest Interest, Lowest Balance, etc.), Visual debt tracking and progress monitoring, Automatic balance updates, Payment logs and extra payment options, Loan, payoff date, and mortgage calculators, Detailed reports and charts, Passcode and Touch ID protection

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 6 months | $0.99 | per 6 months |
| Remove ads | $9.99 | one-time |
| Snowball method | $9.99 | one-time |

**What reviewers like**

- 👍 User-friendly interface and easy to navigate
- 📊 Clear visual charts and graphs for debt tracking
- 💰 Effective debt snowball method for motivation
- 🎯 Simple and straightforward debt management
- 📱 Clean, attractive design

**What reviewers complain about**

- 🐛 Frequent app crashes and freezing issues
- ❌ Decimal point removal in interest rates (major bug)
- ⚠️ Inaccurate calculations after updates
- 🔔 Notification system not working properly
- 💸 Snowball feature locked behind paywall

**Reported bugs**

- Decimal points removed from interest rate input fields
- Cannot enter decimal interest rates (e.g., 4.75%)
- App crashes when entering debt information
- Notifications persist after deleting payments
- App freezes and becomes unresponsive

**Requested features**

- Biweekly and weekly payment options
- Ability to enter actual payment amounts made
- Extra/additional payment functionality
- Loan ending date field
- Support for recurring bills without balances (utilities, phone)


### 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 Debts Break free?

Debts Break 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, Debts Break or Stack?

Stack is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while Stack averages 4.3 from 6 ratings.

### Do Debts Break or Stack have ads?

Debts Break shows ads; Stack does not.

### Which is updated more often, Debts Break or Stack?

Debts Break ships an update every 7 months, and Stack every 6 weeks. Most recently, Debts Break was updated on November 1, 2026 and Stack on November 3, 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.*