# My Debts vs AlmostZero

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.

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.

## The numbers

| Metric | My Debts | AlmostZero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (9 ratings)](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447/reviews)** | [4.7 (78 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) |
| Number of ratings | 9 | **78** |
| Positive reviews | 71.4% of reviews | **85.7% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 2 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 40 MB | 224 MB |
| Requires iOS | **18.6** | 26.2 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Ivan Andres Venegas Muniz](https://appshunter.io/developer/1563933609) | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) |

## What reviewers say

### My Debts

[App page](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447)

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.

**Highlights:** 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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $2.99 | per month |
| Premium Annual | $29.99 | per year |


### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

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.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $3.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


## Frequently asked questions

### Is My Debts free?

My Debts is free to download, with in-app purchases available.

### Is AlmostZero free?

AlmostZero is free to download, with in-app purchases available.

### Which has better reviews, My Debts or AlmostZero?

My Debts is rated higher. My Debts averages 5.0 out of 5 from 9 ratings, while AlmostZero averages 4.7 from 78 ratings.

### Do My Debts or AlmostZero have ads?

My Debts shows ads; AlmostZero does not.

### Which is updated more often, My Debts or AlmostZero?

My Debts ships an update weekly, and AlmostZero every 2 weeks. Most recently, My Debts was updated on November 3, 2026 and AlmostZero on October 30, 2026.

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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.*