# Debt Tracker vs PayUp

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.

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.

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.

## The numbers

| Metric | Debt Tracker | PayUp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/payup-personal-debt-tracker/id6740840670/reviews)** |
| Number of ratings | **105** | 3 |
| Positive reviews | 63.6% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | — |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 38 MB | 43 MB |
| Requires iOS | 16.4 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [AppFlux Labs](https://appshunter.io/developer/1882687293) | [Nick Matthews](https://appshunter.io/developer/1620115375) |

## 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 |


### PayUp

[App page](https://appshunter.io/ios/app/payup-personal-debt-tracker/id6740840670)

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)

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Full Access | $3.99 | per month |
| Full Access | $39.99 | per year |
| Lifetime Full Access | $59.99 | one-time |


## Frequently asked 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.

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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.*