# Keepfully vs Debty

The clearest difference is rating: Debty at 4.8 against Keepfully's 3.9. Debty also leads on update cadence (every 5 days vs every 3 months) and review sentiment (69% vs 50%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Keepfully sells 1 one-off in-app purchase and Debty sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Debty holds the better App Store score, 4.8 against 3.9. Both are backed by a comparable volume of ratings — 30 and 138 respectively. Written reviews point the same way: 50% of Keepfully's written reviews are positive against 69% of Debty's.

Keepfully ships an update every 3 months, Debty every 5 days. The most recent releases landed on October 16, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Keepfully | Debty |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews) | **[4.8 (138 ratings)](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068/reviews)** |
| Number of ratings | 30 | **138** |
| Positive reviews | 50.0% of reviews | **69.1% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 15 MB | 17 MB |
| Requires iOS | 18.4 | **18.0** |
| Devices | iPhone, iPad, Apple Watch, Vision Pro | iPhone, iPad, Mac, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Kaessner](https://appshunter.io/developer/1273375958) | [Derg AB](https://appshunter.io/developer/1315368385) |

## 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 |


### Debty

[App page](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068)

Easily manage and track personal debts, loans, and shared expenses. Record money owed or owing, with automatic calculations and reminders to ensure you never miss a payment. Syncs across devices for seamless financial management.

**Highlights:** Track debts and loans, Manage shared expenses, Automatic calculations, Payment reminders, iCloud synchronization, Intuitive interface

**Features:** Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Quarterly | $8.99 | per 3 months |
| Annual | $24.99 | per year |

**What reviewers like**

- 👍 Simple and straightforward interface
- ✨ Attractive and clean UI
- 🚀 Fast to add records
- ✅ No ads or unnecessary features
- 💰 Optional subscription model

**What reviewers complain about**

- 💸 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

**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

**Requested features**

- Filter out 0 owed amounts
- Sort by total amount
- Automatic repayment options
- Cloud backup option
- iOS 26 style


## Frequently asked questions

### Is Keepfully free?

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

### Is Debty free?

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

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

Debty is rated higher. Keepfully averages 3.9 out of 5 from 30 ratings, while Debty averages 4.8 from 138 ratings.

### Do Keepfully or Debty have ads?

Neither Keepfully nor Debty shows ads.

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

Keepfully ships an update every 3 months, and Debty every 5 days. Most recently, Keepfully was updated on October 16, 2026 and Debty on October 17, 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.*