# Debit & Credit — Personal Finance Manager

> Comprehensive personal finance manager for tracking, budgeting, and financial planning. (iPhone/iPad app by Ivan Pavlov Pty Ltd.)

- Source: https://appshunter.io/ios/app/debit-and-credit/id882637543 (this page in markdown: same URL + `.md`)
- Developer: [Ivan Pavlov Pty Ltd](https://appshunter.io/developer/375311513)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.80/5 from 2,330 App Store ratings · 391 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 26 MB
- Languages: American English, Dutch, French (France), German (Germany), Italian, European Portuguese, Russian, Chinese (Simplified, China), European Spanish, Turkish and 1 more
- Released: 2014-08-05
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews.md

## What is Debit & Credit?

If you are looking for a personal finance app that is convenient, easy to use and at the same time has enough features, then Debit & Credit is the right app for you. 

• All Accounts in One App
Keeping financial records was always a bit of a hassle. But now you can actually enjoy it. See all your accounts in one place and switch between them with one simple touch. 

• Integration with Apple Card, Apple Cash, and Apple Savings
Get your transactions from Apple Card automatically imported into the app. Debit & Credit will help you to automatically categorize them using import rules.

• Super Fast
Creating a new transaction now takes a matter of seconds. It has never been easier with gestures and other features that we developed for you. And we will never require you to make dozens of unnecessary taps to accomplish simple tasks. 

• Locations (Geotagging)
Shopping frequently at the same place? Save its location to record expenses even faster. You can also get a list of saved payees sorted by distance. 

• Budgets & Scheduled Transactions
Do you want to budget expenses on a particular category? No problems. Do you plan to make a transaction in the future and want to be reminded about it? Consider it done. 

• Financial Plans
Plan ahead by creating a financial plan for the next year. Compare your performance against it and see your future net wealth.

• Reports
We believe in clean, crisp reports that are easy to read and understand. See where and what do you spend your money on. Other types of reports are available too. 

• iCloud Sync
We will never ask you to create an account or provide any personal details. All data is stored in iCloud, it is not available to anyone except you. 

• Shared Accounts
Do you want to share some of your accounts with someone else? No problems, you can share selected accounts via iCloud while keeping other accounts private. Great for managing family finances!

• Bank reconciliation mode
Sometimes we all need extra help to keep our accounts in shape. You can easily reconcile your accounts with bank statements in the app to eliminate any disparities. 

• Importing data
We know how important it is to be able to import transactions from your financial institutions. That's why we support CSV, QIF, QMTF, OFX and QFX files. And you can also choose which particular transactions to import from a file, something that not all financial apps know how to do.

• Watch App
Create new transactions on the go with the Apple Watch app. You can also check your budgets and pay scheduled transactions with it.

• Powerful features
Split categories, pending transactions, URL schemes, file attachments, transaction tags, Siri, Touch ID and Face ID support, printing reports and saving them as PDF files - all those and many other features are at your disposal when you need them.

• Mac version of the app
You can download macOS version of the app on the Mac App Store. It has even more features and syncs fast with the iOS companion via iCloud.

Some features are limited to premium version subscribers. Premium version is an annual subscription. Our privacy policy, as well as subscription terms are available at https://debitandcredit.app/privacy-policy-with-terms.html.

In case of any questions please don't hesitate to contact support@debitandcreditapp.com.

## Key features

- All accounts in one app
- Apple Card integration
- Fast transaction entry
- Budgets and scheduled transactions
- Financial planning
- Detailed reports
- iCloud sync
- Shared accounts

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |


## What do users think of Debit & Credit?

Overall sentiment: positive

**Pros**

- 🚀 Great app
- 👍 Simple and easy to use
- 🔒 Secure and private
- 💻 Seamless sync between devices
- 📊 Excellent budgeting and reporting features
- 🤝 Responsive and helpful developer support

**Cons**

- 🐛 Occasional bugs and glitches
- 💰 Subscription model may be costly for some
- 🔍 Limited customization options
- 📅 Lack of advanced scheduling and forecasting

**Commonly reported bugs**

- Duplication of transactions
- Syncing issues between devices
- Incorrect account balances

**Most requested features**

- Ability to track cryptocurrency transactions
- Option to view uncleared and cleared balances separately
- More detailed budget and spending visualizations
- Improved shared account management

## Recent user reviews (10 of 391)

All indexed reviews: https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews.md

### 4/5 — SO FAR IT’S AWSOME!

*2026-07-03, version 7.7.2*

I have had this App for about a week or so and so far I love the APP.  Only two things; 1) I wish there was a way to get the grand total of the payments (not income) that are waiting to be cleared so that you don’t have to add them up manually. 2) I can’t figure out how to do a search for a specific transaction. Can anyone advise on that? Other than these two things,I REALLY LOVE the App. My husband and I can now be on the same page as to what we do and not have have and what monies we have allocated for other things.

### 5/5 — .

*2026-06-20, version 7.7.2*

добавьте пож-ста основную криптовалюту BTC ETH USDT

### 5/5 — None better

*2026-04-18*

I’ve been using this app (and others) for years. It is a wonderful app to do your account entries. It is very easy to setup and use and it also has a Mac App that syncs lightning fast to iCloud.
I always loved this app and then I got an external keyboard with a numeric keypad and now I love it even more.  The keyboard works as you would expect (tabbing etc) but of the other apps I use, this is the only one that does. If the other apps that I’ve spent time with went away or did some type of major change that I didn’t like; I wouldn’t be sad beause I have this app.  It’s my goto app anyway. You might wonder why I use more than one checkbook app. The answer is that I found D&C later in life so I just keep using them. A bit of OCD perhaps.
Finally, if you ever need assistance from the developer (unlikely), I am very confident saying that you will get it and pretty quickly.  I had an issue that was probably created by me and the developer set me straight.

### 3/5 — Abonnement :(

*2026-04-09*

Sans ce #%@£& système d'abonnement, je serais preneur.
Tant pis.
Dommage car l'application est simple, efficace et pratique. Manque la possibilité de pointer les opérations.

### 2/5 — Like app, would love if haven’t had issues.

*2026-03-02, version 7.6.3*

The app’s math is not working properly.
I input every amount correctly and double and triple checked and did not reconcile correctly with my bank account.
I don’t know why doing so but glitchy as hell lately. 
Had to switch to another app I don’t really like but no much choice since this is not working.

### 5/5 — This is the REAL deal!

*2026-02-28, version 7.6.3*

Finally, a check register app that actually works like it should on ALL counts!!!  Furthermore, the developer seems to be the only developer in this genre of apps that is serious about continuous improvement and listening to feedback.  Kudos!

### 2/5 — Has to many bugs!!!

*2026-01-26, version 7.6.1*

As of the last 6 months, it has to many bugs. It duplicates transactions. I can’t rely on this app anymore.

### 4/5 — 建议

*2026-01-23*

几乎很好，希望改进一下就是对账功能能不能按照标签筛选

### 4/5 — Love the App, Hate Persistent Issue

*2026-01-20, version 7.6.1*

I have been using this app for years now, I love it and it really helps me keep my finances in order. The ONLY issue that I have with the app is the iCloud sync. I try to use this app on my iPhone and on my iPad, however, it never syncs accurately and some of my scheduled items repeat. This messes up my entire workflow and I need to correct it by checking each line item and verifying with my bank charges. The app has had this issue for years now it seems and hasn’t been resolved.

### 4/5 — Great app . Please add one feature and fix one

*2026-01-18*

Great app with a beautiful UI and a very smooth experience. Everything feels fast, polished, and thoughtfully designed.

A few improvements would make it even better. Adding the ability to assign icons to expense entries—and customize their colors—would really help with visual organization.

The auto-fill feature for descriptions and categories is helpful, but it can be a bit too aggressive. If I previously entered “coffee with friend” and later want to type just “coffee,” it automatically forces the old description. Allowing partial matches without overriding new input would make this much smoother.

Overall, an excellent app that’s already a pleasure to use. These small refinements would take it to the next level.

## Frequently asked questions about Debit & Credit

### What does the Debit & Credit app do?

This app is a personal finance manager designed to help you track all your accounts, manage expenses, create budgets, and plan your financial future. It offers features like automatic transaction import, detailed reports, and iCloud synchronization.

### What are the key features of Debit & Credit?

Key features include consolidating all your financial accounts into one app, automatic import from Apple Card, fast transaction entry, budgeting tools, financial planning capabilities, detailed reports, iCloud sync for data privacy, and the ability to share accounts with others.

### Is Debit & Credit free to use?

The app is free to download and use, but it offers in-app purchases for additional features or functionality. Specific details on what is included in the free version versus paid options are available within the app store listing.

### What devices is Debit & Credit compatible with?

The app is available for iOS devices, including iPhones and iPads, and also has a macOS version available on the Mac App Store. It also features an Apple Watch app for on-the-go transaction management.

### How can I import my financial data into Debit & Credit?

You can import transactions from your financial institutions using various file formats including CSV, QIF, QMTF, OFX, and QFX. The app allows you to select specific transactions to import from these files.

## Version history (last 5 releases)

### 7.7.2 — 2026-05-27

This update resolves an issue where transactions created on a shared account displayed "another iCloud user" instead of the person's name. After installing this update, please open the shared account settings once to refresh your shared accounts. There is no need to re-setup shared accounts.

### 7.7.1 — 2026-04-11

• added support for background downloading of iCloud records with an activity indicator when there are many records to be downloaded or uploaded
• added support for additional years when creating a financial plan
• fixed bug when sometimes incorrect transactions were displayed in the payees report

### 7.7 — 2026-03-08

Added an option to prioritise categories over tags in financial plans. When enabled, the app will not include tags into a plan calculation unless a tag was included into a plan. This option can be enabled when creating or editing a plan.

### 7.6.3 — 2026-02-19

Small bug fixes

### 7.6.1 — 2026-01-14

Small bug fixes

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## More apps by Ivan Pavlov Pty Ltd

- [Parcel - Delivery Tracking](https://appshunter.io/ios/app/parcel-delivery-tracking/id375589283)
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All apps by Ivan Pavlov Pty Ltd: https://appshunter.io/developer/375311513

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*