# Debty: IOU & Debt Tracker — Money owed, loans & clients

> Private debt and loan management application with iCloud synchronization and payment reminders. (iPhone/iPad app by Derg AB.)

- Source: https://appshunter.io/ios/app/debty-iou-and-debt-tracker/id1560139068 (this page in markdown: same URL + `.md`)
- Developer: [Derg AB](https://appshunter.io/developer/1315368385)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.76/5 from 138 App Store ratings · 55 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 17 MB
- Languages: American English, Italian, Japanese, Russian, European Spanish
- Released: 2021-07-02
- Data updated: 2026-10-25
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debty-iou-and-debt-tracker/id1560139068/reviews.md

## What is Debty?

Debty - Private Debt Tracker is a simple and intuitive app that helps you manage and track your debts, loans, and shared expenses. With Debty, you can easily record and track money you owe or are owed. No more need for notes and calculators - Debty does all the work for you. Plus, with iCloud synchronization, your records are always up-to-date across all your devices. Debty also sends reminders so you never forget to pay back a debt. Manage your finances with ease with Debty.

Terms of Service: https://debty.derg.se/terms-and-conditions/
Privacy Policy: https://debty.derg.se/privacy-policy/

## Key features

- Track debts and loans
- Manage shared expenses
- Automatic calculations
- Payment reminders
- iCloud synchronization
- Intuitive interface

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Annual | $24.99 | per year |
| Monthly | $2.99 | per month |
| Quarterly | $8.99 | per 3 months |


## What do users think of Debty?

Reviews of Debty are mixed: the Finance app is rated 4.8/5 from 138 App Store ratings. What users like most: simple and straightforward interface, attractive and clean UI. Top complaints: introduction of subscription model, free version has limitations (e.g., 3 debtors). Summarized from real user reviews.

**Pros**

- 👍 Simple and straightforward interface
- ✨ Attractive and clean UI
- 🚀 Fast to add records
- ✅ No ads or unnecessary features
- 💰 Optional subscription model
- 🔄 iCloud backup/sync mentioned positively
- 💵 Supports multiple currency types
- 👌 Intuitive to use
- 💡 Minimalist design

**Cons**

- 💸 Introduction of subscription model
- ⚠️ Free version has limitations (e.g., 3 debtors)
- 💰 FaceID unlock is paid
- 🔄 Frequent updates can be disruptive
- 🗑️ Data loss issues reported
- 📱 Works only on one device without sync
- 💱 Default currency is not always rubles
- 📈 App size increases over time

**Commonly reported bugs**

- App crashes when adding new debtor (after premium)
- App crashes when deleting a transaction
- App crashes on startup after update
- App crashes and data is lost
- All records disappeared after an update
- App becomes unusable after update
- Payment issues
- App takes up a lot of space
- App crashes and data is erased

**Most requested features**

- Filter out 0 owed amounts
- Sort by total amount
- Automatic repayment options
- Cloud backup option
- iOS 26 style
- Transfer data to another phone
- Add debtors in two currencies
- Search for debtor names
- Option to hide users with zero balance
- Balance section with clickable currency buttons
- Contact developer for suggestions

## Is Debty safe?

Debty: IOU & Debt Tracker appears safe based on user ratings. The AppsHunter Safety Score for Debty is 92 out of 100. This assessment is based on 138 user ratings, with an App Store average of 4.8 out of 5. Of 138 App Store ratings, 94.9% point to a safe experience, 1.4% suggest some concerns, and 3.6% point to a risky experience.

## Is Debty legit?

Debty: IOU & Debt Tracker appears to be a legitimate app. The AppsHunter Legitimacy Score for Debty is 95 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (10 of 55)

All indexed reviews: https://appshunter.io/ios/app/debty-iou-and-debt-tracker/id1560139068/reviews.md

### 3/5 — …

*2026-09-18*

Лимит 3 должника, затем просит купить подписку

**Developer response:** Действительно, как можно только посметь просить деньги за работу. 

Хочу заметить что в приложении нет рекламы, что оно не требует регистрации, не предлагает навязчиво подписаться через день.

До 3 должников включительно можно пользоваться всеми функциями (за исключением совсем нишевых, которые на мой взгляд пригодятся только людям которые пользуются приложением для работы), и без ограничения по времени. И ни разу не увидеть всплывающего окна предлагающего подписаться.

Я вложил много усилий и времени, и поддержание приложения тоже не бесплатное. Не говоря уже о том что я плачу ежегодно за аккаунт чтобы просто приложение оставалось доступно.

Мне показалось что цена достаточно низкая чтобы если человек действительно регулярно им пользуется - можно было оправдать пару долларов. 

Но в аппсторе достаточно конкурентов - возможно одно из них подойдет Вам больше.

### 4/5 — Оплата

*2026-04-06*

Пользуюсь давно этим приложением  все нравилось до того момента как не могу оплатить.
В этом приложении вела Business
.
Перепробовала все способы оплаты ничего не подходит

**Developer response:** в 2.11.3 как раз были исправлены ошибки с оплатой, а до этого работало? Напишите на почту, пожалуйста, вместе разберемся

### 5/5 — The best app Debt Tracker out there

*2026-04-05*

I have tried many apps when it comes to Debt Tracking and Debty by far is the best app for quickly writing down amounts owed to you and you owe. My only wish is that let’s say someone has cleared their debt. I want an option to filter out 0 owed so that it doesn’t come in between the amounts owed. A small feature but overall the app is amazing

**Developer response:** So basically you want to archive instead of deleting? I can see what I can do, thank you for your feedback!

### 5/5 — 👌🏼

*2026-03-31*

Очень удобный   Много лет пользуюсь

### 1/5 — Платное

*2026-03-19*

раньше была бесплатная, а теперь платная и ограничение есть у нас

**Developer response:** Напишите на почту мне, и расскажите что делали перед тем как пропал безлимит, может новый телефон? Оно и в этом случае должно было запомнить что старый пользователь, но может где-то баг закрался. буду благодарен если поможете разобраться.

### 1/5 — Бестолковое.

*2026-03-18*

Работает только на одном устройстве. Никакой синхронизации с iCloud нет. Внесенные данные на iPhone , видно только на iPhone, Apple Watch и MacBook Air не видят изменений.

**Developer response:** Что пишет на вкладке настроек внизу в статусе iCloud? показывает ошибку какую-либо?

### 4/5 — Проблема

*2026-03-13*

Оформила премиум , а приложение вечно вылетает при забивании нового должника

**Developer response:** Спасибо, видимо баг в новой версии, в следующий раз пишите на почту, так быстрее увижу и починю

### 5/5 — Понравилось

*2026-02-04*

Удобное приложение.
Хотелось бы сортировку по сумме.

Можно сортировку по сумме общую сделать, даже не знаю

**Developer response:** Хорошая идея! По модулю суммы, или чтобы зеленые и красные по разные стороны списка были?

### 4/5 — Love Debty

*2026-01-23*

This is exactly what I was looking for in a debt tracking app: it's very simple, very straightforward, very easy to use, attractive to look at, and while in general I don't like subscription-based software, I'll pay for a subscription if I think the software is really worth it, and Debty is. You can get a monthly subscription for $2.99/month or an annual one for $24.99/year; I saw the value of this software and went with the annual subscription. You don't have to create an account or log in, there are no ads, it doesn't want you to link your bank account or any of that nonsense...it tracks your debts (whether owed by you or to you) and their repayments, and that's it. I love it, and will continue to use it for as long as it runs on my devices. ♥️

**Developer response:** Thank you so much for your support! The money goes to make the app even more refined

### 1/5 — дорого

*2026-01-15*

Раньше было бесплатно сейчас ввели помесечную оплату без нее ограничений функционал лучше другое приложение с одноразовой оплатой

**Developer response:** Подписка была введена больше года назад, существующие пользователи до введения подписки имеют весь предыдущий функционал бесплатно. Видимо у Вас по ошибке потерялся флаг что вы старый пользователь, напишите на почту, решим вопрос. Желательно не с mail.ru и yandex.ru, а то они не пропускают мою ответную почту бывает.

## Frequently asked questions about Debty

### What does Debty do?

Debty is a private debt tracker that helps you manage and monitor your debts, loans, and shared expenses. It allows you to easily record who owes whom and performs all necessary calculations, eliminating the need for manual notes and calculators.

### What are the key features of Debty?

Key features include tracking debts and loans, managing shared expenses, automatic calculations, payment reminders to prevent missed payments, and iCloud synchronization for up-to-date records across all your devices.

### Is Debty free to use?

The application is free to download and use, but it does offer in-app purchases. Specific details about what these purchases unlock are not provided in the description, but it indicates a freemium model.

### What devices is Debty compatible with?

The app description mentions iCloud synchronization, which implies compatibility with Apple devices (iPhone, iPad, Mac) that support iCloud. This ensures your financial records are consistent across your Apple ecosystem.

### How can Debty help me manage my finances?

Debty simplifies financial management by providing a centralized place to track all your debts and loans. The automatic calculations and payment reminders help you stay on top of your obligations, preventing late fees and improving your financial organization.

## Version history (last 5 releases)

### 2.13.4 — 2026-10-23

New: you can swap red and green in Settings, so money you owe shows in green and money owed to you shows in red.

### 2.13.3 — 2026-10-23

Minor improvements.

### 2.13.2 — 2026-10-21

Ready for iPhone Duo: Debty now fills both the outer and the inner display.

### 2.13.1 — 2026-10-13

Debty is now available in Japanese.

### 2.13.0 — 2026-10-08

Shared statements now include a link to Debty.

## Apps similar to Debty

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Debt Tracker - Debts](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142) | 4.4 (105) | Free | Finance |
| [Debt Control – payoff planner](https://appshunter.io/ios/app/debt-control-payoff-planner/id1315617808) | 4.5 (33) | Free | Finance |
| [Loan Tracker: You Owe Me](https://appshunter.io/ios/app/loan-tracker-you-owe-me/id1147058670) | 4.5 (356) | Free | Finance |
| [Who Owes Me - Payment Tracker](https://appshunter.io/ios/app/who-owes-me-payment-tracker/id1221501242) | 4.6 (810) | Free | Finance |
| [Debt Payoff Box: Snowball Plan](https://appshunter.io/ios/app/debt-payoff-box-snowball-plan/id1240710873) | 4.5 (2,456) | Free | Finance |
| [Debt Tracker: Who Owes Me?](https://appshunter.io/ios/app/debt-tracker-who-owes-me/id1632402707) | 4.8 (67) | Free | Finance |

## More apps by Derg AB

- [Nebula Jar](https://appshunter.io/ios/app/nebula-jar/id6824015652)
- [Glimmer Jars](https://appshunter.io/ios/app/glimmer-jars/id6824186882)

All apps by Derg AB: https://appshunter.io/developer/1315368385

## Related topics

[iou](https://appshunter.io/ios/topics/iou) · [us debt tracker](https://appshunter.io/ios/topics/us-debt-tracker) · [iou tracker](https://appshunter.io/ios/topics/iou-tracker)

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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 2026-10-25.*