# Debts vs DivUp

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.

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

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.

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

## The numbers

| Metric | Debts | DivUp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/debts-debt-and-loan-tracker/id1290166627/reviews) | [5.0 (5 ratings)](https://appshunter.io/ios/app/divup/id1585918807/reviews) |
| Number of ratings | 2 | **5** |
| Positive reviews | 44.4% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 days** | Every 7 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 3 MB | 21 MB |
| Requires iOS | 26.0 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Senin](https://appshunter.io/developer/697788524) | [Sonu Chopra](https://appshunter.io/developer/1567822733) |

## 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 (4)**

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


### DivUp

[App page](https://appshunter.io/ios/app/divup/id1585918807)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*