SpenDebt vs Dime Time Technologies
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SpenDebt
This app automates debt and bill repayment by rounding up everyday transactions and contributing the difference towards your balance. It helps build financial discipline and improve your financial health through consistent, on-time payments.
- Automated debt repayment
- Micropayments from transactions
- Builds financial discipline
- Improves financial health
- On-time payment tracking
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Small payments can make real progress. SpenDebt helps you make progress on what you owe with Everyday Micropayments. You choose a small amount that works for you. As you go about your everyday life and spend money, SpenDebt uses your activity to help you build small payments toward the account you choose. YOU’RE IN CONTROL • Choose your Everyday Micropayment amount • Connect your bank securely • Choose the account you want to make progress on • Set a monthly limit that works for your budget • Track your payments and progress in one place No round-ups. You choose the amount. Whether you're working on a credit card, student loan, auto loan, or another eligible account, SpenDebt helps turn something you're already doing—spending—into an opportunity to keep moving forward. You don't have to change your whole life to start making progress. Small payments. Real progress. Everyday Micropayments. Measurable Progress.
Dime Time Technologies
This app helps you accelerate debt payoff by automatically rounding up everyday purchases and applying the difference toward your financial goals. Track your progress, gain insights, and receive recommendations to become debt-free faster.
- Automatic purchase round-ups
- Debt balance and progress tracking
- Personalized financial insights
- Debt reduction journey visualization
- Management of multiple debt accounts
- Actionable debt payoff recommendations
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Get out of debt, one dime at a time with Dime Time! Dime Time puts all your debts in one place and shows you the date you could be debt-free. WHAT YOU CAN DO TODAY • Add your debts by hand, or import them by connecting a supported bank • See every balance, interest rate, and minimum payment in one place • Track your payoff progress and your projected debt-free date • See how much interest you could save by paying ahead • Choose a target debt and track estimated round-ups from your everyday purchases • Explore a crypto preview (a simulation only — no real money is invested) COMING LATER Automatic round-up collection and payments to your creditors are not available yet. Dime Time does not move money from your accounts today. We'll let you know in the app when these features launch. PRIVATE AND SECURE • Bank connections use tokenized, encrypted access through regulated partners; your bank login is never stored by Dime Time • Data is encrypted in transit • PIN and Face ID / Touch ID app lock • Delete your account and data at any time in Settings Questions? Visit dime-time.com/contact
Screenshots
Verdict
The clearest difference is update cadence: Dime Time Technologies at fortnightly against SpenDebt's every 13 months. Dime Time Technologies also leads on rating (5.0 vs 4.6). SpenDebt's advantage is ratings volume (8 vs 2). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.
Dime Time Technologies holds the better App Store score, 5.0 against 4.6. Both are backed by a comparable volume of ratings — 8 and 2 respectively.
SpenDebt ships an update every 13 months, Dime Time Technologies fortnightly. Both last shipped on October 24, 2026.
| Parameter | SpenDebt | Dime Time Technologies |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (8 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 8 — better | 2 |
| Update frequency | Every 13 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 26 MB | 9 MB |
| Age rating | 4+ | 17+ |
| Developer | SPENDEBT, INC | Tim Carlisle |
Customer experience
SpenDebt
Dime Time Technologies
In-app purchases
SpenDebt
No in-app purchases
Dime Time Technologies
No in-app purchases
Questions
Is SpenDebt free?
Is Dime Time Technologies free?
Which has better reviews, SpenDebt or Dime Time Technologies?
Do SpenDebt or Dime Time Technologies have ads?
Which is updated more often, SpenDebt or Dime Time Technologies?
Other comparisons
