Debt Control vs Debtless
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Control
Manage all your debts and loans in one place. Track who owes you money and who you owe, with support for multiple currencies and payment reminders. View your debt history and get an overview of your financial commitments.
- Track money owed and borrowed
- Support for multiple currencies
- Payment period indication
- Customizable reminders
- Consolidated list of contacts and debts
- Debt history log
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The application "Debt Control" allows you to keep records of debts in situations where you owe someone money or you borrowed to someone. Application functions: — support of various currencies — indication of the period of pay off — reminders — a list of people with aggregation of all debts — history of debts
Debtless
This app helps you track and plan your debt payoff. It offers features like unlimited debt tracking, payment logging, and strategy comparison. All features are free with no ads or subscriptions, prioritizing user privacy by keeping data on-device.
- Unlimited debt tracking
- Payment logging
- Debt payoff strategy comparison
- Projected debt-free date
- On-device AI plan assistant
- Statement extraction
- Earn ideas tailored to skills
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100% free. No ads. No subscriptions. Debtless keeps the number that matters most—the date you are projected to be debt-free—at the top of your plan. Add debts manually or scan a statement, log payments, and see the projection move as your balances change. EVERY FEATURE IS FREE • Track unlimited debts, payments, due dates, and savings goals • See total debt, minimum payments, payoff progress, and a projected debt-free date • Log quick extra payments without exceeding the remaining balance • Compare avalanche, snowball, and hybrid payoff strategies • Explore payoff questions with the on-device Plan Assistant on compatible Apple Intelligence devices • Use Apple Intelligence-enhanced statement extraction on compatible devices • Get Earn ideas tailored to your skills and most expensive debt • Set local due-date reminders and export your ledger to CSV There is no subscription, in-app purchase, paywall, advertising, or paid feature tier. Generated features have no message or scan quotas because processing runs on-device. PRIVACY BY DESIGN There is no bank linking or sign-in account. Your debt ledger, statement processing, saved Plan Assistant conversation, prompts, and generated output stay on your device. On compatible devices, generated features use Apple's Foundation Models framework and Apple Intelligence with no network AI fallback. Debtless does not sell your data, record product usage, or include third-party ad, tracking, or analytics SDKs. Apple Intelligence and other generated output can be incomplete, outdated, misleading, or wrong. Debtless and its Plan Assistant are software planning and education tools, not financial advisers, and do not provide financial, legal, tax, credit-repair, lending, or investment advice. Verify important figures and creditor terms before acting. Terms: https://debtlessapp.com/terms/ Privacy: https://debtlessapp.com/privacy/
Screenshots
Verdict
The clearest difference is rating: Debtless at 5.0 against Debt Control's 4.5. Debtless also leads on monetization model (free vs free with in-app purchases). Debt Control's advantage is update cadence (every 2 months vs every 7 months) and ratings volume (33 vs 6). On price, ads, in-app purchases and device support 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
Both are free to download. Debt Control sells 3 one-off in-app purchases and Debtless sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Debtless holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Debt Control has 33 ratings behind it against 6, so its average is the more settled of the two.
Debt Control ships an update every 2 months, Debtless every 7 months. The most recent releases landed on November 11, 2026 and November 5, 2026 respectively.
| Parameter | Debt Control | Debtless |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (33 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 64.2% of reviews | — |
| Number of ratings | 33 — better | 6 |
| Update frequency | Every 2 months — better | Every 7 months |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 18.2 |
| Further details — not scored | ||
| Size | 23 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | CleverPumpkin Ltd. | Logan Moore |
In-app purchases
Debt Control
- Premium$0.99
- Premium$2.99
- Premium$4.99
Debtless
- Thanks for the Support!$0.99
- You're Awesome!$2.99
- You’re fueling development!$4.99
