# Debt Tracker vs My Debt Manager & Tracker

The clearest difference is rating: My Debt Manager & Tracker at 5.0 against Debt Tracker's 4.4. My Debt Manager & Tracker also leads on review sentiment (100% vs 64%). Debt Tracker's advantage is ads (none vs shown) and ratings volume (105 vs 7). On price, update cadence, 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 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 4.4. That said, the two scores are not equally well evidenced: Debt Tracker has 105 ratings behind it against 7, 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 100% of My Debt Manager & Tracker's.

Debt Tracker ships an update every 5 weeks, My Debt Manager & Tracker every 3 weeks. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Debt Tracker | My Debt Manager & Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews) | **[5.0 (7 ratings)](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466/reviews)** |
| Number of ratings | **105** | 7 |
| Positive reviews | 63.6% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 38 MB | 128 MB |
| Requires iOS | 16.4 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [AppFlux Labs](https://appshunter.io/developer/1882687293) | [GHAZALI KABIRU](https://appshunter.io/developer/1656605038) |

## 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 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 Debt Tracker free?

Debt Tracker 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, Debt Tracker or My Debt Manager & Tracker?

My Debt Manager & Tracker is rated higher. Debt Tracker averages 4.4 out of 5 from 105 ratings, while My Debt Manager & Tracker averages 5.0 from 7 ratings.

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

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

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

Debt Tracker ships an update every 5 weeks, and My Debt Manager & Tracker every 3 weeks. Most recently, Debt Tracker was updated on October 25, 2026 and My Debt Manager & Tracker on October 27, 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.*