# Debty vs SmartDebts

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.

Both are free to download. Debty sells 3 in-app purchases, starting at $2.99 per month. SmartDebts asks for nothing beyond the download.

## The numbers

| Metric | Debty | SmartDebts |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (138 ratings)](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068/reviews)** | — |
| Number of ratings | **138** | — |
| Positive reviews | 69.1% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 5 days | — |
| Monetization | Free with in-app purchases | — |
| Size | 17 MB | 1 MB |
| Requires iOS | **18.0** | 18.2 |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Derg AB](https://appshunter.io/developer/1315368385) | [Artem Marakhovskyi](https://appshunter.io/developer/1878500196) |

## What reviewers say

### Debty

[App page](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068)

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:** Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Quarterly | $8.99 | per 3 months |
| Annual | $24.99 | per year |

**What reviewers like**

- 👍 Simple and straightforward interface
- ✨ Attractive and clean UI
- 🚀 Fast to add records
- ✅ No ads or unnecessary features
- 💰 Optional subscription model

**What reviewers complain about**

- 💸 Introduction of subscription model
- ⚠️ Free version has limitations (e.g., 3 debtors)
- 💰 FaceID unlock is paid
- 🔄 Frequent updates can be disruptive
- 🗑️ Data loss issues reported

**Reported bugs**

- 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

**Requested features**

- Filter out 0 owed amounts
- Sort by total amount
- Automatic repayment options
- Cloud backup option
- iOS 26 style


### SmartDebts

[App page](https://appshunter.io/ios/app/smartdebts/id6759408159)

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*