Comparison

Sono vs Debt Tracker Master

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Sono

Easily track money borrowed and lent with this finance management tool. Record transactions, manage contacts, and get summaries of your debts. Offers cloud storage, PIN lock, and data export options.

Highlights
  • Record borrowed and lent money
  • Display debt summaries
  • Manage debtors and creditors
  • Support multiple currencies
  • Dark theme
  • Transaction reminders
  • Local and cloud storage
Features
Read full description

Manage your debts easily and efficiently with Sono. Keep track of borrowed and lent money, send invoices, and stay organized — download our free app today! ▼ Why choose Sono for debt management? Avoid the hassle of forgetting important transaction details or relying on error-prone notes or Excel sheets. Sono is a smart and simple debt tracker and manager that makes it easy to record and keep track of all your financial activities. With Sono, you just record the transaction details each time you borrow or lend money — Sono does the rest. ▼ Sono's standard features include: - Clear summary dashboard of all your debts - Record transactions to track what people owe you and what you owe people - Manage debtors and creditors with notes for each contact - Repayment tracking — log repayments against open transactions - Due dates with reminders so you never forget - Multiple currencies supported - Organize transactions with tags for easy filtering - Add comments to transactions and notes to contacts - Itemized invoice generation with PDF export - Multiple accounts to keep personal and business debts separate - Dark mode, light mode, or follow system setting - Customizable color themes - Lock app with a PIN code - Store data locally on your device or sync to the cloud - Import existing data from a CSV file - Export data to PDF format - Backup and restore data ▼ Premium features: - Ad-free experience - Multi-device support — use Sono on all your devices - Multiple accounts (workspaces) - Custom currency — add your own currency unit - Interest for transactions — simple or fixed interest calculation - Attach files, photos, or audio recordings to transactions - Export data to CSV or Excel format - Biometric authentication (Face ID / Touch ID) - iCloud backup and restore - Add profile pictures for contacts - Business profile — display your business info on invoices ▼ Your data is safe and secure Your data is safe with Sono. Store information locally on your device or sync to the cloud — so you never lose your important financial data. --- About premium subscription: - At confirmation of purchase, or following the completion of a free-trial period, payment will be charged to your Apple account. - Your subscription will automatically renew unless auto-renew is turned off at least 24-hours before the end of the current subscription period. - Your account will be charged for renewal within 24-hours prior to the end of the current subscription period. Automatic renewals will cost the same price you were originally charged for the subscription. - You can manage your subscriptions and turn off auto-renewal by going to your Account Settings on the App Store after purchase. - Any unused portion of a free trial period, if offered, will be forfeited. --- Terms of Use: https://sonofinance.com/terms-conditions/ Privacy policy: https://sonofinance.com/privacy-policy/ --- If you have any questions, issues or suggestions don't hesitate to send us a message at hello@sonofinance.com. If you love our app, we would greatly appreciate it if you could leave a 5-star rating and review. Thank you!

About

Debt Tracker Master

This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.

Highlights
  • Debt recording and organization
  • Repayment progress tracking
  • Payment planning outlook
  • Customizable payment reminders
  • Personal finance learning resources
  • Debt reduction reports
Features
Read full description

Debt Tracker Master is a payoff tracker for credit cards, auto loans, student loans, and mortgages you already have. It does not lend money, check your credit, or offer loans. See every balance, the next due date, and principal versus interest for the next 6 months. Record a payment when you make it, set a reminder before the due date, and watch the balance come down. What you can track - Total balance, payoff countdown, overdue items, and upcoming payments on one dashboard - Each debt: lender, interest rate, start date, due date, and repayment method - Credit cards, installment loans, mortgages, and lines of credit - A 6-month view of principal and interest - Reminders on the due date, 1 day before, or 2 days before - Home Screen widgets for the next payment - Short lessons on loan terms, including how snowball and avalanche payoff methods work Free to record and plan. Debt Tracker Pro removes ads and adds iCloud sync. Debt Tracker Master does not provide loans, credit, or financial advice. It is your own record of what you owe and how you plan to repay it. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://d.bapps.uk/privacy-policy.html

Screenshots

Sono4 screens
Debt Tracker Master4 screens

Verdict

The call

The clearest difference is review sentiment: Sono at 89% against Debt Tracker Master's 0%. Sono also leads on rating (4.7 vs 3.7) and ratings volume (23 vs 3). Debt Tracker Master's advantage is update cadence (every 3 days vs every 3 weeks). On price, ads, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Sono sells 11 in-app purchases, starting at $3.99 per month and Debt Tracker Master sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Sono holds the better App Store score, 4.7 against 3.7. That said, the two scores are not equally well evidenced: Sono has 23 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 89% of Sono's written reviews are positive against 0% of Debt Tracker Master's.

UpkeepUpdate frequency

Sono ships an update every 3 weeks, Debt Tracker Master every 3 days. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Sono versus Debt Tracker Master: the parameters behind the verdict, then further details
ParameterSonoDebt Tracker Master
PriceFreeFree
Rating4.7 (23 ratings) — better3.7 (3 ratings)
Positive reviews88.9% of reviews — better0.0% of reviews
Number of ratings23 — better3
Update frequencyEvery 3 weeksEvery 3 days — better
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better16.6
Further details — not scored
Size96 MB50 MB
Age rating4+4+
DeveloperDanh Minh Ngo娜 杨

Customer experience

Sono

All ratings23 ratings
Positive95.7%
Neutral0.0%
Negative4.3%
Written reviews27 reviews
Positive88.9%
Neutral0.0%
Negative11.1%

Debt Tracker Master

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

11 purchases

Sono

Subscriptions7
  • Monthly7 Days trial$3.991 Month
  • 3 months7 Days trial$8.993 Months
  • Professional Monthly$12.991 Month
Show 4 more
  • Annual$17.991 Year
  • Annual14 Days trial$17.991 Year
  • Annual7 Days trial$29.991 Year
  • Professional Annually$129.991 Year
One-time4
  • Ads removal$9.99
  • Lifetime premium$49.99
  • Lifetime premium$69.99
Show 1 more
  • Lifetime premium$99.99
4 purchases

Debt Tracker Master

Subscriptions2
  • DebtTracker Pro Monthly$3.991 Month
  • DebtTracker Pro Yearly3 Days trial$17.991 Year
One-time2
  • Remove Ads$3.99
  • DebtTracker Pro Lifetime$39.99

Questions

Is Sono free?
Sono is free to download, with in-app purchases available.
Is Debt Tracker Master free?
Debt Tracker Master is free to download, with in-app purchases available.
Which has better reviews, Sono or Debt Tracker Master?
Sono is rated higher. Sono averages 4.7 out of 5 from 23 ratings, while Debt Tracker Master averages 3.7 from 3 ratings.
Do Sono or Debt Tracker Master have ads?
Both Sono and Debt Tracker Master show ads.
Which is updated more often, Sono or Debt Tracker Master?
Sono ships an update every 3 weeks, and Debt Tracker Master every 3 days. Most recently, Sono was updated on October 24, 2026 and Debt Tracker Master on October 24, 2026.

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