# PocketGuard・Budget Planner App vs Stack

The clearest difference is review sentiment: Stack at 100% against PocketGuard・Budget Planner App's 39%. Stack also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). PocketGuard・Budget Planner App's advantage is ratings volume (7.7K vs 6) and rating (4.6 vs 4.3). On price, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. PocketGuard・Budget Planner App sells 11 in-app purchases, starting at $2.99 per 7 days and Stack sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

PocketGuard・Budget Planner App holds the better App Store score, 4.6 against 4.3. That said, the two scores are not equally well evidenced: PocketGuard・Budget Planner App has 7.7K ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 39% of PocketGuard・Budget Planner App's written reviews are positive against 100% of Stack's, so the app with the better star average is not the one people write more warmly about.

PocketGuard・Budget Planner App ships an update every 3 weeks, Stack every 6 weeks. The most recent releases landed on September 23, 2026 and September 11, 2026 respectively.

## The numbers

| Metric | PocketGuard・Budget Planner App | Stack |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (7.7K ratings)](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/stack-simple-debt-manager/id1673751951/reviews) |
| Number of ratings | **7.7K** | 6 |
| Positive reviews | 38.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#92** | — |
| Size | 163 MB | 30 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, Apple Watch | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [PocketGuard, Inc.](https://appshunter.io/developer/1435880178) | [Leon Boettger](https://appshunter.io/developer/1537384790) |

## What reviewers say

### PocketGuard・Budget Planner App

[App page](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211)

**Currently charting:** #92 Top Grossing · Finance (US App Store)

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

**Highlights:** Automatic expense tracking, Bill and subscription monitoring, Disposable income calculation, Spending habit analysis, Financial goal setting, Debt-payoff plan creation

**Features:** Apple Wallet, Apple Watch app

**In-app purchases (11)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly offer with 7 day trial | $2.99 | per 7 days |
| PocketGuard Plus | $4.99 | per month |
| Monthly subscription | $4.99 | per month |
| PocketGuard Plus | $7.99 | per month |
| Monthly subscription | $7.99 | per month |
| Monthly Subscriptions | $12.99 | per month |
| Monthly Subscription | $12.99 | per month |
| PocketGuard Plus | $24.99 | per year |
| PocketGuard Plus | $34.99 | per year |
| Yearly Subscription | $74.99 | per year |
| Lifetime Membership | $79.99 | one-time |

**What reviewers like**

- 🚀 Efficient app that helps track spending
- 👍 Customizable budgeting categories
- 🚀 Real-time transaction updates
- 👍 Intuitive and user-friendly interface
- 🚀 Helpful for getting finances under control

**What reviewers complain about**

- 🐛 Recurring issues with bank account syncing
- 🔒 Security concerns with 2FA/MFA requirements
- 🚫 Lack of support for certain banks/credit cards
- 💰 Expensive subscription model
- 🐛 Buggy app performance and frequent crashes

**Reported bugs**

- Inconsistent transaction syncing and labeling
- Inability to delete or manage connected accounts
- Budgeting data disappearing or not updating properly

**Requested features**

- Ability to carry over unspent budget to next month
- More advanced reporting and analytics
- Light/dark mode theme options
- Improved transaction categorization and learning
- Support for multiple users/family budgeting


### 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 PocketGuard・Budget Planner App free?

PocketGuard・Budget Planner App 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, PocketGuard・Budget Planner App or Stack?

PocketGuard・Budget Planner App is rated higher. PocketGuard・Budget Planner App averages 4.6 out of 5 from 7.7K ratings, while Stack averages 4.3 from 6 ratings.

### Do PocketGuard・Budget Planner App or Stack have ads?

PocketGuard・Budget Planner App shows ads; Stack does not.

### Which is updated more often, PocketGuard・Budget Planner App or Stack?

PocketGuard・Budget Planner App ships an update every 3 weeks, and Stack every 6 weeks. Most recently, PocketGuard・Budget Planner App was updated on September 23, 2026 and Stack on September 11, 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.*