# Keepfully vs Payback Balance Tracker

The clearest difference is in-app purchases: Payback Balance Tracker at none against Keepfully's 1. Payback Balance Tracker also leads on update cadence (every 9 days vs every 3 months) and iOS requirement (12.0 vs 18.4). Keepfully's advantage is ratings volume (30 vs 10). On price, rating, review sentiment and ads there is nothing between them.

Both are free to download. Keepfully sells 1 one-off in-app purchase. Payback Balance Tracker asks for nothing beyond the download.

Keepfully holds the better App Store score, 3.9 against 3.7. Both are backed by a comparable volume of ratings — 30 and 10 respectively. Written reviews split almost evenly too, at 50% and 50% positive.

Keepfully ships an update every 3 months, Payback Balance Tracker every 9 days. The most recent releases landed on October 16, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | Keepfully | Payback Balance Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews)** | [3.7 (10 ratings)](https://appshunter.io/ios/app/payback-balance-tracker/id1551505456/reviews) |
| Number of ratings | **30** | 10 |
| Positive reviews | 50.0% of reviews | 50.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 9 days** |
| Monetization | Freemium | **Free** |
| Size | 15 MB | 43 MB |
| Requires iOS | 18.4 | **12.0** |
| Devices | **iPhone, iPad, Apple Watch, Vision Pro** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Kaessner](https://appshunter.io/developer/1273375958) | [Matthew Brennan](https://appshunter.io/developer/1463254680) |

## 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 |


### Payback Balance Tracker

[App page](https://appshunter.io/ios/app/payback-balance-tracker/id1551505456)

Easily track debts and balances among friends without needing to exchange money. This app helps everyone know who owes whom, simplifying shared expenses and reimbursements.

**Highlights:** Track balances between friends, Log what you owe others, Log what others owe you, Simplifies shared expenses, No real money exchange needed

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Keepfully free?

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

### Is Payback Balance Tracker free?

Payback Balance Tracker is free to download, with no in-app purchases.

### Which has better reviews, Keepfully or Payback Balance Tracker?

Keepfully is rated higher. Keepfully averages 3.9 out of 5 from 30 ratings, while Payback Balance Tracker averages 3.7 from 10 ratings.

### Do Keepfully or Payback Balance Tracker have ads?

Neither Keepfully nor Payback Balance Tracker shows ads.

### Which is updated more often, Keepfully or Payback Balance Tracker?

Keepfully ships an update every 3 months, and Payback Balance Tracker every 9 days. Most recently, Keepfully was updated on October 16, 2026 and Payback Balance Tracker on October 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.*