# Debts vs Debt Tracker

The clearest difference is rating: Debts at 5.0 against Debt Tracker's 4.4. Debt Tracker's advantage is update cadence (every 5 weeks vs every 6 months) and ratings volume (105 vs 2). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Debts sells 5 in-app purchases, starting at $0.99 per month and Debt Tracker sells 3 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 4.4. That said, the two scores are not equally well evidenced: Debt Tracker has 105 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 44% of Debts's written reviews are positive against 64% of Debt Tracker's, so the app with the better star average is not the one people write more warmly about.

Debts ships an update every 6 months, Debt Tracker every 5 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Debts | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/debts-debt-and-loan-tracker/id1290166627/reviews)** | [4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews) |
| Number of ratings | 2 | **105** |
| Positive reviews | 44.4% of reviews | **63.6% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 5 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 3 MB | 38 MB |
| Requires iOS | 26.0 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Senin](https://appshunter.io/developer/697788524) | [AppFlux Labs](https://appshunter.io/developer/1882687293) |

## What reviewers say

### 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 |


### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142)

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

**Highlights:** Manage debts and receivables, Separate by currency, Debt payoff planner, Monthly status tracking, Payment tracker, Money tracking

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month | $0.99 | per month |
| 12 Months | $4.99 | per year |
| Lifetime | $9.99 | one-time |


## Frequently asked questions

### Is Debts free?

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

### Is Debt Tracker free?

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

### Which has better reviews, Debts or Debt Tracker?

Debts is rated higher. Debts averages 5.0 out of 5 from 2 ratings, while Debt Tracker averages 4.4 from 105 ratings.

### Do Debts or Debt Tracker have ads?

Neither Debts nor Debt Tracker shows ads.

### Which is updated more often, Debts or Debt Tracker?

Debts ships an update every 6 months, and Debt Tracker every 5 weeks. Most recently, Debts was updated on October 26, 2026 and Debt Tracker on October 25, 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.*