# InDebt vs My Debt Manager & Tracker

The clearest difference is review sentiment: My Debt Manager & Tracker at 100% against InDebt's 59%. My Debt Manager & Tracker also leads on rating (5.0 vs 4.5) and ratings volume (7 vs 2). InDebt's advantage is ads (none vs shown). 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 My Debt Manager & Tracker sells 4 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

My Debt Manager & Tracker holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 2 and 7 respectively. Written reviews point the same way: 59% of InDebt's written reviews are positive against 100% of My Debt Manager & Tracker's.

InDebt ships an update monthly, My Debt Manager & Tracker every 3 weeks. The most recent releases landed on October 26, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | InDebt | My Debt Manager & Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2 ratings)](https://appshunter.io/ios/app/indebt/id1385708953/reviews) | **[5.0 (7 ratings)](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466/reviews)** |
| Number of ratings | 2 | **7** |
| Positive reviews | 58.8% of reviews | **100.0% 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 | 128 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) | [GHAZALI KABIRU](https://appshunter.io/developer/1656605038) |

## 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 |


### My Debt Manager & Tracker

[App page](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466)

Easily track and manage all your debts and loans in one place. This app simplifies due dates, payments, and balances with intuitive color coding and automatic data backup. It supports multiple currencies, recurring payments, and offers AI-driven insights to help reduce debt stress.

**Highlights:** Track debts and loans, Recurring payment management, AI debt stress reduction, Multi-currency support, Automatic data backup, Payment proof uploads, Reminder notifications

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 month subscription | $0.99 | one-time |
| 3 months subscription | $2.99 | one-time |
| 1 year subscription | $4.99 | one-time |
| 6 months subscription | $5.99 | one-time |


## Frequently asked questions

### Is InDebt free?

InDebt is free to download, with in-app purchases available.

### Is My Debt Manager & Tracker free?

My Debt Manager & Tracker is free to download, with in-app purchases available.

### Which has better reviews, InDebt or My Debt Manager & Tracker?

My Debt Manager & Tracker is rated higher. InDebt averages 4.5 out of 5 from 2 ratings, while My Debt Manager & Tracker averages 5.0 from 7 ratings.

### Do InDebt or My Debt Manager & Tracker have ads?

My Debt Manager & Tracker shows ads; InDebt does not.

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

InDebt ships an update monthly, and My Debt Manager & Tracker every 3 weeks. Most recently, InDebt was updated on October 26, 2026 and My Debt Manager & Tracker on October 30, 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.*