Comparison

Debty vs SmartDebts

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Track debts and loans
  • Manage shared expenses
  • Automatic calculations
  • Payment reminders
  • iCloud synchronization
  • Intuitive interface
Features
Read full description

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/

About

SmartDebts

Read full description

SmartDebts helps you easily track shared expenses and settle debts with friends, family, or colleagues. Add expenses, choose who paid, and instantly see who owes what. The app automatically calculates balances and makes splitting costs simple and transparent. Perfect for: • Trips and vacations • Shared apartments • Group dinners • Business expenses • Everyday shared spending Features: • Simple and intuitive interface • Automatic balance calculation • Multi-currency support • Quick settlements between participants • Clean and modern design SmartDebts keeps your finances clear and stress-free.

Screenshots

Debty4 screens
SmartDebts4 screens

Verdict

The call

The clearest difference is in-app purchases: SmartDebts at none against Debty's 3. Debty's advantage is device support (4 vs 2). On price, ads and iOS requirement 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. Debty sells 3 in-app purchases, starting at $2.99 per month. SmartDebts asks for nothing beyond the download.

Scorecard2 real differences · 8 level
Debty versus SmartDebts: the parameters behind the verdict, then further details
ParameterDebtySmartDebts
PriceFreeFree
Rating4.8 (138 ratings) — better—
Positive reviews69.1% of reviews—
Number of ratings138 — better—
Update frequencyEvery 5 days—
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad
Requires iOS18.0 — better18.2
Further details — not scored
Size17 MB1 MB
Age rating4+4+
DeveloperDerg ABArtem Marakhovskyi

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 more
  • 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 more
  • 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

SmartDebts

Not enough reviews yet to summarise bugs or requests.

In-app purchases

3 purchases

Debty

Subscriptions3
  • Monthly7 Days trial$2.991 Month
  • Quarterly7 Days trial$8.993 Months
  • Annual7 Days trial$24.991 Year
None

SmartDebts

No in-app purchases

Questions

Is Debty free?
Debty is free to download, with in-app purchases available.
Is SmartDebts free?
SmartDebts is free to download, with no in-app purchases.
Do Debty or SmartDebts have ads?
Neither Debty nor SmartDebts shows ads.

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