# Keepfully vs Debts

The clearest difference is rating: Debts at 5.0 against Keepfully's 3.9. Keepfully's advantage is ratings volume (30 vs 2) and update cadence (every 3 months vs every 6 months). On price, review sentiment, ads and in-app purchases there is nothing between them.

Both are free to download. Keepfully sells 1 one-off in-app purchase and Debts sells 5 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Debts holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: Keepfully has 30 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 50% of Keepfully's written reviews are positive against 44% of Debts's, so the app with the better star average is not the one people write more warmly about.

Keepfully ships an update every 3 months, Debts every 6 months. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Keepfully | Debts |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/debts-debt-and-loan-tracker/id1290166627/reviews)** |
| Number of ratings | **30** | 2 |
| Positive reviews | **50.0% of reviews** | 44.4% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 6 months |
| Monetization | Freemium | Free with in-app purchases |
| Size | 15 MB | 3 MB |
| Requires iOS | **18.4** | 26.0 |
| Devices | **iPhone, iPad, Apple Watch, Vision Pro** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Kaessner](https://appshunter.io/developer/1273375958) | [Alexander Senin](https://appshunter.io/developer/697788524) |

## What reviewers say

### Keepfully

[App page](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959)

Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

**Highlights:** Track money and objects lent/borrowed, Organize by person with overview, Automatic loan reminders, Archive of returned loans, iCloud Sync and Siri support, Widgets and Shortcuts integration

**Features:** macOS Compatibility, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Keepfully Pro | $2.99 | one-time |


### Debts

[App page](https://appshunter.io/ios/app/debts-debt-and-loan-tracker/id1290166627)

This app helps you track all your loans and debts in one place. It offers a user-friendly interface with flexible settings, allowing you to manage contacts, set payment reminders, and view balances across multiple currencies. Record partial repayments and keep a detailed payment history.

**Highlights:** Manage all loans and debts, User-friendly interface, Contact management, Payment reminders via SMS/Email, Multi-currency support, Record partial repayments, Payment history tracking

**Features:** macOS Compatibility, Vision Pro support, iPhone Duo support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $0.99 | per month |
| Yearly | $8.99 | per year |
| Tip developer | $0.99 | one-time |
| Full version | $19.99 | one-time |
| Full version — lifetime | $19.99 | one-time |


## Frequently asked questions

### Is Keepfully free?

Keepfully is free to download, with in-app purchases available.

### Is Debts free?

Debts is free to download, with in-app purchases available.

### Which has better reviews, Keepfully or Debts?

Debts is rated higher. Keepfully averages 3.9 out of 5 from 30 ratings, while Debts averages 5.0 from 2 ratings.

### Do Keepfully or Debts have ads?

Neither Keepfully nor Debts shows ads.

### Which is updated more often, Keepfully or Debts?

Keepfully ships an update every 3 months, and Debts every 6 months. Most recently, Keepfully was updated on October 24, 2026 and Debts on October 26, 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.*