# My Debts vs TipShift

The clearest difference is update cadence: My Debts at weekly against TipShift's every 23 months. TipShift's advantage is iOS requirement (15.1 vs 18.6). On price and in-app purchases there is nothing between them.

Both are free to download. My Debts sells 5 in-app purchases, starting at $3.99 per month and TipShift sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

My Debts ships an update weekly, TipShift every 23 months. The most recent releases landed on October 3, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | My Debts | TipShift |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (8 ratings)](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447/reviews)** | — |
| Number of ratings | **8** | — |
| Positive reviews | 71.4% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | — |
| Update frequency | **Weekly** | Every 23 months |
| Monetization | Freemium | — |
| Size | 39 MB | 43 MB |
| Requires iOS | 18.6 | **15.1** |
| Devices | **iPhone** | — |
| Age rating | 4+ | 4+ |
| Developer | [Ivan Andres Venegas Muniz](https://appshunter.io/developer/1563933609) | [Monaco IT Services, LLC](https://appshunter.io/developer/1736644546) |

## What reviewers say

### My Debts

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

Effectively manage your debts and monthly payments with an intuitive interface. Track personal finances, organize expenses, and avoid late fees. Stay on top of your financial health and reduce debt-related stress.

**Highlights:** Debt management, Expense tracking, Payment organization, Subscription management, Payment reminders, Financial health improvement

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $3.99 | per month |
| Premium Annual | $29.99 | per year |
| Subscription Module | $3.99 | one-time |
| Monthly Payments Module | $3.99 | one-time |
| Complete Plan | $6.99 | one-time |


### TipShift

[App page](https://appshunter.io/ios/app/tipshift/id6479624322)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| TipShift Pro Monthly | $2.99 | per month |
| TipShift Pro Annual | $19.99 | per year |


## Frequently asked questions

### Is My Debts free?

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

### Is TipShift free?

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

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

My Debts ships an update weekly, and TipShift every 23 months. Most recently, My Debts was updated on October 3, 2026 and TipShift on October 2, 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.*