# Debt Tracker vs My Debts

The clearest difference is rating: My Debts at 5.0 against Debt Tracker's 4.4. My Debts also leads on update cadence (weekly vs every 5 weeks). Debt Tracker's advantage is ads (none vs shown) and ratings volume (105 vs 9). On price, review sentiment, in-app purchases and monetization model there is nothing between them.

Both are free to download. Debt Tracker sells 3 in-app purchases, starting at $0.99 per month and My Debts sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

My Debts holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Debt Tracker has 105 ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 64% of Debt Tracker's written reviews are positive against 71% of My Debts's.

Debt Tracker ships an update every 5 weeks, My Debts weekly. Both last shipped on November 3, 2026.

## The numbers

| Metric | Debt Tracker | My Debts |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews) | **[5.0 (9 ratings)](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447/reviews)** |
| Number of ratings | **105** | 9 |
| Positive reviews | 63.6% of reviews | **71.4% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 38 MB | 40 MB |
| Requires iOS | **16.4** | 18.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [AppFlux Labs](https://appshunter.io/developer/1882687293) | [Ivan Andres Venegas Muniz](https://appshunter.io/developer/1563933609) |

## 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 |


### My Debts

[App page](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447)

Organize and track all your debts, bills, subscriptions, and daily expenses in one place. Receive timely payment reminders and view insightful spending reports to improve your savings and financial planning.

**Highlights:** Track debts, bills, and subscriptions, Log and categorize daily expenses, Scan receipts for faster expense entry, Payment reminders, Real-time debt and expense totals, Spending reports with charts, Home screen widgets, Siri Shortcuts integration

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $2.99 | per month |
| Premium Annual | $29.99 | per year |


## Frequently asked questions

### Is Debt Tracker free?

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

### Is My Debts free?

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

### Which has better reviews, Debt Tracker or My Debts?

My Debts is rated higher. Debt Tracker averages 4.4 out of 5 from 105 ratings, while My Debts averages 5.0 from 9 ratings.

### Do Debt Tracker or My Debts have ads?

My Debts shows ads; Debt Tracker does not.

### Which is updated more often, Debt Tracker or My Debts?

Debt Tracker ships an update every 5 weeks, and My Debts weekly. Most recently, Debt Tracker was updated on November 3, 2026 and My Debts on November 3, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*