# Debt Tracker vs Debty

The clearest difference is rating: Debty at 4.8 against Debt Tracker's 4.4. Debty also leads on update cadence (weekly vs every 5 weeks) and device support (4 vs 2). Debt Tracker's advantage is iOS requirement (16.4 vs 18.0). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Debt Tracker sells 3 in-app purchases, starting at $0.99 per month and Debty sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Debty holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 105 and 131 respectively. Written reviews point the same way: 64% of Debt Tracker's written reviews are positive against 69% of Debty's.

Debt Tracker ships an update every 5 weeks, Debty weekly. The most recent releases landed on September 19, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | Debt Tracker | Debty |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews) | **[4.8 (131 ratings)](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068/reviews)** |
| Number of ratings | 105 | **131** |
| Positive reviews | 63.6% of reviews | **69.1% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 38 MB | 12 MB |
| Requires iOS | **16.4** | 18.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [AppFlux Labs](https://appshunter.io/developer/1882687293) | [Derg AB](https://appshunter.io/developer/1315368385) |

## What reviewers say

### 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 |


### Debty

[App page](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068)

Easily manage and track personal debts, loans, and shared expenses. Record money owed or owing, with automatic calculations and reminders to ensure you never miss a payment. Syncs across devices for seamless financial management.

**Highlights:** Track debts and loans, Manage shared expenses, Automatic calculations, Payment reminders, iCloud synchronization, Intuitive interface

**Features:** Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Quarterly | $8.99 | per 3 months |
| Annual | $24.99 | per year |

**What reviewers like**

- 👍 Simple and straightforward interface
- ✨ Attractive and clean UI
- 🚀 Fast to add records
- ✅ No ads or unnecessary features
- 💰 Optional subscription model

**What reviewers complain about**

- 💸 Introduction of subscription model
- ⚠️ Free version has limitations (e.g., 3 debtors)
- 💰 FaceID unlock is paid
- 🔄 Frequent updates can be disruptive
- 🗑️ Data loss issues reported

**Reported bugs**

- App crashes when adding new debtor (after premium)
- App crashes when deleting a transaction
- App crashes on startup after update
- App crashes and data is lost
- All records disappeared after an update

**Requested features**

- Filter out 0 owed amounts
- Sort by total amount
- Automatic repayment options
- Cloud backup option
- iOS 26 style


## Frequently asked questions

### Is Debt Tracker free?

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

### Is Debty free?

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

### Which has better reviews, Debt Tracker or Debty?

Debty is rated higher. Debt Tracker averages 4.4 out of 5 from 105 ratings, while Debty averages 4.8 from 131 ratings.

### Do Debt Tracker or Debty have ads?

Neither Debt Tracker nor Debty shows ads.

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

Debt Tracker ships an update every 5 weeks, and Debty weekly. Most recently, Debt Tracker was updated on September 19, 2026 and Debty on September 25, 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.*