My Debts vs AlmostZero
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
My Debts
Organize and track all your debts, bills, subscriptions, and daily expenses in one place. Receive timely payment reminders and view insightful spending reports to improve your savings and financial planning.
- Track debts, bills, and subscriptions
- Log and categorize daily expenses
- Scan receipts for faster expense entry
- Payment reminders
- Real-time debt and expense totals
- Spending reports with charts
- Home screen widgets
- Siri Shortcuts integration
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Organize your debts, expenses and payments easily. With Mis Deudas, keep track of debts, everyday expenses, subscriptions and monthly payments in one place. Get reminders and improve your personal savings. Do you have debts, pending payments or several subscriptions and forget the due dates? With Mis Deudas you can: Track debts, bills, monthly payments, subscriptions and tandas (rotating savings groups). Log your daily expenses and sort them by category. Scan receipts to capture expenses faster. Get reminders before every payment. See the total of your debts and expenses in real time. View reports with charts of your spending by category. Use Home Screen widgets to see your finances at a glance. Add expenses and check your balance with Siri Shortcuts and quick actions. Organize your money and plan your savings better. Access premium features like expense tracking, subscriptions and recurring monthly payments. Mis Deudas is the ideal app for anyone who wants to manage their personal finances simply and quickly. Download now and start taking control of your finances. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
AlmostZero
Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.
- Debt & Loan Management
- Expense Tracking
- Savings Goals
- Link to Assets
- Repayment Strategies (Snowball/Avalanche)
- Financial Education
- Multiple Currencies
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AlmostZero is a personal finance app that helps you manage debt, track spending, and reach your savings goals. Credit cards, student loans, mortgages, auto loans — bring all your debts together in one app and get a clear picture of your financial situation. Struggling to plan repayments, spending more than you'd like, or finding it hard to save consistently? AlmostZero is designed to help you organize your money and stay on track without the stress. With visual progress indicators and practical repayment strategies, you can see exactly where you stand and how to move forward. 【Key Features】 ▸ Debt & Loan Management Track credit cards, personal loans, mortgages, auto loans, and student loans all in one place. The app automatically calculates accrued interest, remaining term, and estimated payoff date, so you can see the status of every debt at a glance. Repayment frequency is fully customizable — weekly, biweekly, monthly, quarterly, and more, matched to your income cycle. Clear progress charts show you how far you've come and help you stay motivated. Two proven repayment strategies are supported: the snowball method (pay off the smallest debts first) and the avalanche method (pay off the highest-interest debts first). Choose the strategy that fits your situation best. ▸ Expense Tracking Log your daily expenses and they're automatically organized by category. View spending by merchant or category to understand exactly where your money is going. Analyze spending trends by day, week, month, or year to identify your habits. Set a budget and receive a notification when you're approaching your limit. ▸ Savings Goals Create multiple savings goals with individual target amounts and deadlines. The app automatically calculates the savings pace you need and displays your progress clearly. A progress bar helps you stay on track. ▸ Link to Assets Connect your debts to assets like property or vehicles. By viewing debts and assets together, you get a more complete picture of your overall financial position. ▸ Tag Organization Use custom tags to organize your debts and expenses flexibly. View totals and statistics by tag to analyze your finances from different angles. ▸ Multiple Currencies All major world currencies are supported. Switch your display currency with a single tap — convenient for use abroad or managing finances across multiple currencies. ▸ Financial Education Access clear, approachable content covering debt management, savings tips, investing basics, and other financial topics. Build your financial knowledge right inside the app. ▸ Financial Calculator Simulate different repayment and savings plans with the built-in calculator to make more informed financial decisions. 【Privacy & Security】 Protecting your financial data is our top priority. AlmostZero supports biometric lock with Face ID and Touch ID. All data is stored on your device and synced securely through iCloud. No account creation or bank linking required. Your data is never collected or shared with third parties. 【Data Management】 iCloud sync automatically shares your data between your iPhone and iPad. Import and export in JSON format makes backup and data transfer simple. 【What Sets AlmostZero Apart】 • Built for debt reduction — packed with features to help you pay off what you owe • Simple and intuitive — powerful yet easy to use • Strong privacy — your data stays on your device and in iCloud only • Regular updates — new features and improvements added continuously Start today with AlmostZero and bring more clarity to your finances. Reduce your debt step by step and work toward your savings goals.
Screenshots
Verdict
The clearest difference is ads: AlmostZero at none against My Debts's shown. AlmostZero also leads on review sentiment (86% vs 71%) and ratings volume (78 vs 9). My Debts's advantage is rating (5.0 vs 4.7) and update cadence (weekly vs every 2 weeks). On price, in-app purchases, monetization model and device support 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. My Debts sells 2 in-app purchases, starting at $2.99 per month and AlmostZero sells 10 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
My Debts holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: AlmostZero has 78 ratings behind it against 9, so its average is the more settled of the two. Written reviews complicate that: 71% of My Debts's written reviews are positive against 86% of AlmostZero's, so the app with the better star average is not the one people write more warmly about.
My Debts ships an update weekly, AlmostZero every 2 weeks. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | My Debts | AlmostZero |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (9 ratings) — better | 4.7 (78 ratings) |
| Positive reviews | 71.4% of reviews | 85.7% of reviews — better |
| Number of ratings | 9 | 78 — better |
| Update frequency | Weekly — better | Every 2 weeks |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 18.6 — better | 26.2 |
| Further details — not scored | ||
| Size | 40 MB | 224 MB |
| Age rating | 4+ | 4+ |
| Developer | Ivan Andres Venegas Muniz | Life Utility Apps, LLC |
Customer experience
My Debts
AlmostZero
In-app purchases
My Debts
- Premium Monthly7 Days trial$2.991 Month
- Premium Annual7 Days trial$29.991 Year
AlmostZero
- Monthly Pro$0.991 Month
- AlmostZero Pro Monthly$4.991 Month
- AlmostZero Pro Yearly$29.991 Year
- Tip$3.99
- Tip$7.99
- Tip$12.99
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- Lifetime Pro$14.99
- Tip$14.99
- Steak Dinner sized Tip$19.99
- Lifetime AlmostZero Pro$49.99









