# InDebt vs Debt Tracker

The clearest difference is ads: InDebt at none against Debt Tracker's shown. Debt Tracker's advantage is review sentiment (83% vs 59%) and rating (4.8 vs 4.5). On price, update cadence, in-app purchases and monetization model there is nothing between them.

Both are free to download. InDebt sells 1 one-off in-app purchase and Debt Tracker sells 15 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Tracker holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Debt Tracker has 61 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 59% of InDebt's written reviews are positive against 83% of Debt Tracker's.

InDebt ships an update monthly, Debt Tracker every 3 weeks. The most recent releases landed on September 19, 2026 and September 13, 2026 respectively.

## The numbers

| Metric | InDebt | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2 ratings)](https://appshunter.io/ios/app/indebt/id1385708953/reviews) | **[4.8 (61 ratings)](https://appshunter.io/ios/app/debt-tracker-personal-debts/id1632402707/reviews)** |
| Number of ratings | 2 | **61** |
| Positive reviews | 58.8% of reviews | **83.3% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 29 MB | 46 MB |
| Requires iOS | 18.6 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Sergei Volkov](https://appshunter.io/developer/1385708952) | [David Serrano Canales](https://appshunter.io/developer/1544987496) |

## 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-personal-debts/id1632402707)

Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.

**Highlights:** Record who owes you money, Manage your own debts, Detailed debt data (amount, currency, payments), Global history of paid and pending debts, Add partial payments, Backup and restore records

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

**In-app purchases (15)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $2.99 | per month |
| Premium | $3.99 | per month |
| Premium | $7.49 | per month |
| Premium | $8.99 | per year |
| Premium | $11.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $17.99 | per year |
| Premium | $17.99 | per year |
| Premium | $37.99 | per year |
| Premium | $17.99 | one-time |
| Premium Lifetime | $24.99 | one-time |
| Premium | $34.99 | one-time |
| Premium | $99.99 | 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?

Debt Tracker is rated higher. InDebt averages 4.5 out of 5 from 2 ratings, while Debt Tracker averages 4.8 from 61 ratings.

### Do InDebt or Debt Tracker have ads?

Debt Tracker shows ads; InDebt does not.

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

InDebt ships an update monthly, and Debt Tracker every 3 weeks. Most recently, InDebt was updated on September 19, 2026 and Debt Tracker on September 13, 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.*