# My Debts vs Debtless

The clearest difference is ads: Debtless at none against My Debts's shown. Debtless also leads on monetization model (free vs free with in-app purchases). My Debts's advantage is update cadence (weekly vs every 7 months). On price, rating, ratings volume and in-app purchases there is nothing between them.

Both are free to download. My Debts sells 2 in-app purchases, starting at $2.99 per month and Debtless sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for My Debts against 5.0 for Debtless. Both are backed by a comparable volume of ratings — 9 and 6 respectively.

My Debts ships an update weekly, Debtless every 7 months. The most recent releases landed on November 11, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | My Debts | Debtless |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (9 ratings)](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/debtless/id6748594182/reviews) |
| Number of ratings | **9** | 6 |
| Positive reviews | 71.4% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 7 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 40 MB | 5 MB |
| Requires iOS | 18.6 | **18.2** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Ivan Andres Venegas Muniz](https://appshunter.io/developer/1563933609) | [Logan Moore](https://appshunter.io/developer/382096113) |

## 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 |


### Debtless

[App page](https://appshunter.io/ios/app/debtless/id6748594182)

This app helps you track and plan your debt payoff. It offers features like unlimited debt tracking, payment logging, and strategy comparison. All features are free with no ads or subscriptions, prioritizing user privacy by keeping data on-device.

**Highlights:** Unlimited debt tracking, Payment logging, Debt payoff strategy comparison, Projected debt-free date, On-device AI plan assistant, Statement extraction, Earn ideas tailored to skills

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Thanks for the Support! | $0.99 | one-time |
| You're Awesome! | $2.99 | one-time |
| You’re fueling development! | $4.99 | one-time |


## Frequently asked questions

### Is My Debts free?

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

### Is Debtless free?

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

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

My Debts and Debtless are both rated 5.0 out of 5 on the App Store, from 9 and 6 ratings respectively.

### Do My Debts or Debtless have ads?

My Debts shows ads; Debtless does not.

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

My Debts ships an update weekly, and Debtless every 7 months. Most recently, My Debts was updated on November 11, 2026 and Debtless on November 5, 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.*