# InDebt vs Debt Tracker

The clearest difference is ratings volume: Debt Tracker at 105 against InDebt's 2. Debt Tracker also leads on iOS requirement (16.4 vs 18.6). On price, rating, review sentiment and update cadence there is nothing between them.

Both are free to download. InDebt sells 1 one-off in-app purchase 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.

On the App Store both sit at effectively the same score — 4.5 for InDebt against 4.4 for Debt Tracker. 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 are what separate them: 59% of InDebt's written reviews are positive against 64% of Debt Tracker's.

InDebt ships an update monthly, Debt Tracker every 5 weeks. Both last shipped on September 19, 2026.

## The numbers

| Metric | InDebt | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (2 ratings)](https://appshunter.io/ios/app/indebt/id1385708953/reviews)** | [4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews) |
| Number of ratings | 2 | **105** |
| Positive reviews | 58.8% of reviews | **63.6% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 29 MB | 38 MB |
| Requires iOS | 18.6 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Sergei Volkov](https://appshunter.io/developer/1385708952) | [AppFlux Labs](https://appshunter.io/developer/1882687293) |

## What reviewers say

### InDebt

[App page](https://appshunter.io/ios/app/indebt/id1385708953)

Manage personal debts with interest and penalty tracking. Supports all currencies and offers data backup. Get notifications for overdue payments and view historical data.

**Highlights:** Interest and penalty calculation, Support for any currency, Data backup and restore, Debt payment history, Total profit calculation, Exportable history, Overdue debt notifications

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Purchasing the full version | $4.99 | 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 InDebt free?

InDebt 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, InDebt or Debt Tracker?

InDebt is rated higher. InDebt averages 4.5 out of 5 from 2 ratings, while Debt Tracker averages 4.4 from 105 ratings.

### Do InDebt or Debt Tracker have ads?

Neither InDebt nor Debt Tracker shows ads.

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

InDebt ships an update monthly, and Debt Tracker every 5 weeks. Most recently, InDebt was updated on September 19, 2026 and Debt Tracker on September 19, 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.*