Debty vs PayUp
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debty
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.
- Track debts and loans
- Manage shared expenses
- Automatic calculations
- Payment reminders
- iCloud synchronization
- Intuitive interface
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Debty - Private Debt Tracker is a simple and intuitive app that helps you manage and track your debts, loans, and shared expenses. With Debty, you can easily record and track money you owe or are owed. No more need for notes and calculators - Debty does all the work for you. Plus, with iCloud synchronization, your records are always up-to-date across all your devices. Debty also sends reminders so you never forget to pay back a debt. Manage your finances with ease with Debty. Terms of Service: https://debty.derg.se/terms-and-conditions/ Privacy Policy: https://debty.derg.se/privacy-policy/
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.
- Log debts and IOUs
- Track payment history
- Split group expenses
- Private and secure data
- Unlimited records (premium)
- Attach pictures (premium)
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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
Verdict
The clearest difference is review sentiment: PayUp at 100% against Debty's 69%. PayUp also leads on rating (5.0 vs 4.8) and iOS requirement (15.6 vs 18.0). Debty's advantage is ratings volume (139 vs 8) and device support (4 vs 2). 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
Both are free to download. Debty sells 3 in-app purchases, starting at $2.99 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 4.8. That said, the two scores are not equally well evidenced: Debty has 139 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 69% of Debty's written reviews are positive against 100% of PayUp's.
| Parameter | Debty | PayUp |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (139 ratings) | 5.0 (8 ratings) — better |
| Positive reviews | 69.1% of reviews | 100.0% of reviews — better |
| Number of ratings | 139 — better | 8 |
| Update frequency | Every 4 days | — |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone, iPod |
| Requires iOS | 18.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 17 MB | 43 MB |
| Age rating | 4+ | 4+ |
| Developer | Derg AB | Nick Matthews |
Customer experience
Debty
PayUp
Bugs and requests
Debty
Reported bugs
9 issues- 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
Show 4 moreShow fewer
- App becomes unusable after update
- Payment issues
- App takes up a lot of space
- App crashes and data is erased
Requested features
11 requests- Filter out 0 owed amounts
- Sort by total amount
- Automatic repayment options
- Cloud backup option
- iOS 26 style
Show 6 moreShow fewer
- Transfer data to another phone
- Add debtors in two currencies
- Search for debtor names
- Option to hide users with zero balance
- Balance section with clickable currency buttons
- Contact developer for suggestions
PayUp
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Debty
- Monthly7 Days trial$2.991 Month
- Quarterly7 Days trial$8.993 Months
- Annual7 Days trial$24.991 Year
PayUp
- Full Access$3.991 Month
- Full Access$39.991 Year
- Lifetime Full Access$59.99








