Comparison

Debt Tracker vs PayUp

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

PayUp

Easily track money owed to you by friends and family. Log debts, record payments, and split group expenses without needing an account. Premium features are available via in-app purchase.

Highlights
  • Log debts and IOUs
  • Track payment history
  • Split group expenses
  • Private and secure data
  • Unlimited records (premium)
  • Attach pictures (premium)
Read full description

PayUp makes it easy to stay on top of what people owe you — whether it’s that lunch you covered, a concert ticket you booked, or your share of the group trip expenses. No more forgetting who owes what or chasing down payments. Track What You're Owed: Log debts and IOUs from anyone who owes you money. Payment History: See a record of what’s been paid back — and what hasn’t. Split Group Expenses: Easily divide costs and track who owes you their share. Private & Secure: No accounts, no ads — just your data on your device. Some features in PayUp require an in-app purchase, including the ability to store unlimited records, attach pictures to your entries, and access advanced exporting options. These premium tools help you manage and share your payment history more effectively. They borrowed. You remembered. Download PayUp now. This app is licensed under Apple’s standard End User License Agreement (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Debt Tracker4 screens
PayUp4 screens

Verdict

The call

The clearest difference is rating: PayUp at 5.0 against Debt Tracker's 4.4. PayUp also leads on review sentiment (100% vs 64%). Debt Tracker's advantage is ratings volume (105 vs 3). 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

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 PayUp sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

PayUp 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 3, 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 PayUp's.

Scorecard3 real differences · 7 level
Debt Tracker versus PayUp: the parameters behind the verdict, then further details
ParameterDebt TrackerPayUp
PriceFreeFree
Rating4.4 (105 ratings)5.0 (3 ratings) — better
Positive reviews63.6% of reviews100.0% of reviews — better
Number of ratings105 — better3
Update frequencyEvery 5 weeks—
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.415.6 — better
Further details — not scored
Size38 MB43 MB
Age rating4+4+
DeveloperAppFlux LabsNick Matthews

Customer experience

Debt Tracker

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

PayUp

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Debt Tracker

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

PayUp

Subscriptions2
  • Full Access$3.991 Month
  • Full Access$39.991 Year
One-time1
  • Lifetime Full Access$59.99

Questions

Is Debt Tracker free?
Debt Tracker is free to download, with in-app purchases available.
Is PayUp free?
PayUp is free to download, with in-app purchases available.
Which has better reviews, Debt Tracker or PayUp?
PayUp is rated higher. Debt Tracker averages 4.4 out of 5 from 105 ratings, while PayUp averages 5.0 from 3 ratings.
Do Debt Tracker or PayUp have ads?
Neither Debt Tracker nor PayUp shows ads.

Other comparisons