Comparison

Debt Tracker vs Debt Zero

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debt Tracker

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
Read full description

Debt Tracker is the ideal app for anyone who needs to manage their debt efficiently. With this app, you can easily stay organized and keep track of all your financial commitments. Whether it’s tracking your debt or monitoring what others owe you, the app’s powerful features help you stay on top of it all with our comprehensive debt tracker. Here’s what Debts - Manage your debtors offers: 1. Manage your debt and receivables effortlessly. 2. Separate your debts and receivables by currency for easy management of international transactions. 3. Track the total amount of your debts and receivables at any time. 4. Use the debt payoff planner to organize your payments and set clear goals. 5. Keep track of the monthly status of your debts and payments. 6. Stay organized with our easy-to-use payment tracker. 7. Track your overall finances with the intuitive money tracking app. Our debt payoff planner helps you create a clear path to pay off your debt, so you always know what’s next. The debt payoff planner tracker ensures you stay on track with monthly updates, allowing you to see exactly where you stand with your debt. This way, you can avoid surprises and manage everything in one place. With the debt tracker, you can also keep an eye on your overall debt status and stay organized by tracking both debts and receivables. The debt tracker feature is designed to provide a clear overview of what you owe and what others owe you, ensuring you never lose sight of your financial situation. Additionally, the debt payoff planner tracker keeps you informed on the progress of your debt payoff plan. Plus, the payment tracker makes it easy to monitor every payment, whether you’re paying off your debt or waiting to receive funds. Our money tracker and money tracking app also help you get a complete view of your finances, so you can always stay in control. Download Debt tracker today and take control of your debt! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Debt Zero

This app helps you manage and pay off your debts using popular methods like snowball or avalanche. Plan your payments, track progress with timelines, and visualize savings. Personalize your experience and stay motivated with widgets.

Highlights
  • Debt payoff planning
  • Snowball and avalanche methods
  • Payment calendar
  • Progress tracking
  • Savings estimates
  • Customization options
  • Home screen widgets
Read full description

Getting out of debt is a journey, and having a clear plan makes all the difference. Debt Zero is designed to give you the clarity and confidence you need to reach financial peace faster. Most finance apps look backward at what you’ve already spent. Debt Zero looks forward, showing you exactly when you will be out of debt. Whether you prefer the early wins of the Snowball method or the interest savings of the Avalanche method, we help you build a plan to move you towards being debt free. • COMPLETE PRIVACY: Your financial data stays on your device, exactly where it belongs. No bank connections, no data sharing, and no broken syncs—just a secure place for your plan. • SEE YOUR PROGRESS: Watch your "Freedom Date" get closer in real-time. Discover how a plan for extra payments today can shave months off your timeline and save you money in the long run. • STAY ORGANIZED: Use the built-in calendar to visualize your regular payments and plan your strategy with a clear, calm roadmap. • DAILY MOTIVATION: Keep your goals front and center with elegant home screen widgets that celebrate every step of your journey. • JOURNEY MILESTONES: Celebrate small wins along the way, earn milestone stickers, and share your progress to encourage others. • A PERSONAL EXPERIENCE: Customize the app to match your style with premium themes and icons designed for a beautiful, native iOS experience. • ESTABLISHED TRUST: Built and launched in 2020, Debt Zero has been a reliable companion for users on their path to financial freedom for over half a decade. Debt Zero does not sync with financial institutions. We understand that entering data can feel like a big step, but taking that moment to organize your numbers is the first step toward taking control of your future. While automated tracking can feel convenient, active engagement with your plan helps you stay focused on reaching your goals. You aren’t just downloading a tracker; you’re choosing a clearer, calmer path to $0.00. You’ve got this! Privacy Policy: https://debtzero.couleemoon.ca/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Debt Tracker4 screens
Debt Zero4 screens

Verdict

The call

The clearest difference is rating: Debt Tracker at 4.4 against Debt Zero's 4.1. Debt Tracker also leads on ratings volume (105 vs 15) and iOS requirement (16.4 vs 26.0). Debt Zero's advantage is review sentiment (75% vs 64%). On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Tracker sells 3 in-app purchases, starting at $0.99 per month and Debt Zero sells 6 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debt Tracker holds the better App Store score, 4.4 against 4.1. That said, the two scores are not equally well evidenced: Debt Tracker has 105 ratings behind it against 15, so its average is the more settled of the two. Written reviews complicate that: 64% of Debt Tracker's written reviews are positive against 75% of Debt Zero's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Debt Tracker ships an update every 5 weeks, Debt Zero every 3 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
Debt Tracker versus Debt Zero: the parameters behind the verdict, then further details
ParameterDebt TrackerDebt Zero
PriceFreeFree
Rating4.4 (105 ratings) — better4.1 (15 ratings)
Positive reviews63.6% of reviews75.0% of reviews — better
Number of ratings105 — better15
Update frequencyEvery 5 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.4 — better26.0
Further details — not scored
Size38 MB208 MB
Age rating4+4+
DeveloperAppFlux LabsCasi Knibbs

Customer experience

Debt Tracker

All ratings105 ratings
Positive83.8%
Neutral6.7%
Negative9.5%
Written reviews44 reviews
Positive63.6%
Neutral9.1%
Negative27.3%

Debt Zero

All ratings14 ratings
Positive78.6%
Neutral7.1%
Negative14.3%
Written reviews8 reviews
Positive75.0%
Neutral12.5%
Negative12.5%

In-app purchases

3 purchases

Debt Tracker

Subscriptions2
  • 1 Month$0.991 Month
  • 12 Months$4.991 Year
One-time1
  • Lifetime$9.99
6 purchases

Debt Zero

Subscriptions4
  • Enable All Features$1.991 Month
  • Enable All Features14 Days trial$9.991 Year
  • Enable All Features1 Year trial$9.991 Year
Show 1 more
  • Enable All Features14 Days trial$14.991 Year
One-time2
  • Unlock Themes & Icons$1.99
  • Enable All Features$39.99

Questions

Is Debt Tracker free?
Debt Tracker is free to download, with in-app purchases available.
Is Debt Zero free?
Debt Zero is free to download, with in-app purchases available.
Which has better reviews, Debt Tracker or Debt Zero?
Debt Tracker is rated higher. Debt Tracker averages 4.4 out of 5 from 105 ratings, while Debt Zero averages 4.1 from 15 ratings.
Do Debt Tracker or Debt Zero have ads?
Neither Debt Tracker nor Debt Zero shows ads.
Which is updated more often, Debt Tracker or Debt Zero?
Debt Tracker ships an update every 5 weeks, and Debt Zero every 3 weeks. Most recently, Debt Tracker was updated on October 25, 2026 and Debt Zero on October 24, 2026.

Other comparisons