Comparison

Debts vs DivUp

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debts

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
Read full description

Debts — all your loans and borrowings in one place A simple and intuitive app to manage your debts and loans. • Friendly and easy-to-use interface • Flexible settings for your needs Contacts • Select people from your contact list or add them manually Reminders • Send payment reminders via SMS or Email directly from the app • Call your debtor with a single tap Balance • View total balance for each currency Notifications • Set up custom reminders for repayment • Choose exact date and time of notification Currencies • Supports multiple currencies • Create, edit, and set a default currency Payments • Record partial repayments • Keep track of all payment history Full version Debts is free for up to 2 debts. The full version unlocks unlimited debts: choose a monthly or yearly subscription, or buy it once and keep it forever. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account. You can manage or cancel your subscription in your App Store account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appbysnap.tilda.ws/privacypolice

About

DivUp

Easily divide shared expenses among friends. This application simplifies the process of splitting bills and tracking who owes what, making group outings and shared living arrangements hassle-free.

Highlights
  • Split receipts with friends
  • Easy expense tracking
  • Manage shared bills
  • Fast and simple interface
Read full description

DivUp is a fast and easy way to split receipts with your friends.

Screenshots

Debts4 screens
DivUp4 screens

Verdict

The call

Debts and DivUp both sit at 5.0 stars, but that hides the real split: 100% of DivUp's written reviews are positive against 44% of Debts's. DivUp also leads on in-app purchases (none vs 5) and iOS requirement (13.0 vs 26.0). Debts's advantage is update cadence (every 2 days vs every 7 months). On price, rating, ratings volume and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debts sells 4 in-app purchases, starting at $0.99 per month. DivUp asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Debts against 5.0 for DivUp. Both are backed by a comparable volume of ratings — 2 and 5 respectively. Written reviews are what separate them: 44% of Debts's written reviews are positive against 100% of DivUp's.

UpkeepUpdate frequency

Debts ships an update every 2 days, DivUp every 7 months. Both last shipped on November 3, 2026.

Scorecard5 real differences · 5 level
Debts versus DivUp: the parameters behind the verdict, then further details
ParameterDebtsDivUp
PriceFreeFree
Rating5.0 (2 ratings)5.0 (5 ratings)
Positive reviews44.4% of reviews100.0% of reviews — better
Number of ratings25 — better
Update frequencyEvery 2 days — betterEvery 7 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS26.013.0 — better
Further details — not scored
Size3 MB21 MB
Age rating4+4+
DeveloperAlexander SeninSonu Chopra

Customer experience

Debts

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews9 reviews
Positive44.4%
Neutral11.1%
Negative44.4%

DivUp

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

4 purchases

Debts

Subscriptions2
  • Monthly$0.991 Month
  • Yearly$8.991 Year
One-time2
  • Tip the developer$0.99
  • Full version — lifetime2 variants$19.99
None

DivUp

No in-app purchases

Questions

Is Debts free?
Debts is free to download, with in-app purchases available.
Is DivUp free?
DivUp is free to download, with no in-app purchases.
Which has better reviews, Debts or DivUp?
Debts and DivUp are both rated 5.0 out of 5 on the App Store, from 2 and 5 ratings respectively.
Do Debts or DivUp have ads?
Neither Debts nor DivUp shows ads.
Which is updated more often, Debts or DivUp?
Debts ships an update every 2 days, and DivUp every 7 months. Most recently, Debts was updated on November 3, 2026 and DivUp on November 3, 2026.

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