Comparison

Debt Tracker vs DebtFlow

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

Head to head
About

Debt Tracker

Manage personal debts and track payments effectively. Record who owes you money and who you owe, with detailed insights into each debt. Facilitates flexible payment tracking and provides a history of all debts.

Highlights
  • Record who owes you money
  • Manage your own debts
  • Detailed debt data (amount, currency, payments)
  • Global history of paid and pending debts
  • Add partial payments
  • Backup and restore records
Features
Read full description

Debt Tracker is a simple IOU manager: keep track of who owes you money, what you've lent, and how much you owe. Record amounts, follow payments, and review everything in one place, without unnecessary complexity. You can create personal debts in multiple currencies and assign them to contacts created inside the app. If you want, you can also sync those contacts with your device address book to import their name and photo, always as an optional feature. This makes it easier to keep everything organized and adapt the app to the way you already work. Key features: - Manage personal debts in multiple currencies - Track every IOU, from the first amount to the last payment - Add partial payments and record multiple payments for the same debt - Check balances by contact and see a global balance - Filter, search, and sort your debt history the way you prefer - Add due dates and set reminders before each payment - Create backups, import data, and export your information whenever you need - Offline app, no account, and your data always under your control > Real payment tracking and up-to-date balances: Each debt can include multiple payments. You can add partial payments as many times as you need and always see how much has been paid and how much is still pending. When the total of all payments reaches the full amount, the debt is automatically marked as paid. Unlike a static list, it always reflects the real state of every debt. > Two ways to review your information: Most people start with the contacts view because it is the fastest way to review debts, answer "who owes me?", and see who you owe. You can quickly review each contact balance and the overall balance at the top of the screen. You also get a dedicated debts tab with search, history, and advanced filters. There you can see all debts, only pending debts, only money owed to you, or only what you owe. You can also change the sorting to review recent changes, amounts, or other criteria. > Due dates and reminders: One of the most useful parts of the app is its due date management. You can add a due date to each debt, see how much time is left, and configure reminders in advance. That way, the app not only stores your records, but also helps you stay ahead of upcoming payments. > Privacy, backups, and exports: This app works with a local database. Your data never leaves your device unless you explicitly decide to take it out yourself, for example through a database export, a CSV export, a clipboard copy, and more. You can also create backups and import your information whenever you need. If you want a private offline app with no account, you stay in control at all times. In short, Debt Tracker brings your IOUs, payments, due dates, reminders, and data export together in one place, so you always know who owes you and what you owe.

About

DebtFlow

Features
Read full description

DebtFlow ist Ihre intelligente Lösung für effektives Schuldenmanagement. Mit unserer App können Sie Ihre Schulden übersichtlich verwalten, Zahlungspläne erstellen und Ihre finanziellen Ziele erreichen. Profitieren Sie von automatischen Erinnerungen, detaillierten Analysen und einem benutzerfreundlichen Interface. DebtFlow unterstützt Sie dabei, Ihre Finanzen unter Kontrolle zu bringen und Ihre Schulden systematisch abzubauen.

Screenshots

Debt Tracker4 screens
DebtFlow3 screens

Verdict

The call

The clearest difference is in-app purchases: DebtFlow at none against Debt Tracker's 15. DebtFlow also leads on ads (none vs shown). Debt Tracker's advantage is update cadence (every 2 weeks vs every 3 months). On price, device support and iOS requirement 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. Debt Tracker sells 15 in-app purchases, starting at $2.99 per month. DebtFlow asks for nothing beyond the download.

UpkeepUpdate frequency

Debt Tracker ships an update every 2 weeks, DebtFlow every 3 months. The most recent releases landed on October 17, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
Debt Tracker versus DebtFlow: the parameters behind the verdict, then further details
ParameterDebt TrackerDebtFlow
PriceFreeFree
Rating4.8 (66 ratings) — better—
Positive reviews83.3% of reviews—
Number of ratings66 — better—
Update frequencyEvery 2 weeks — betterEvery 3 months
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size45 MB27 MB
Age rating17+4+
DeveloperDavid Serrano CanalesOnlineBuilders LLC

In-app purchases

15 purchases

Debt Tracker

Subscriptions11
  • Premium$2.991 Month
  • Premium$3.991 Month
  • Premium$7.491 Month
Show 8 more
  • Premium7 Days trial$8.991 Year
  • Premium$11.991 Year
  • Premium14 Days trial$12.991 Year
  • Premium1 Month trial$12.991 Year
  • Premium7 Days trial$12.991 Year
  • Premium$17.991 Year
  • Premium7 Days trial$17.991 Year
  • Premium1 Month trial$37.991 Year
One-time4
  • Premium$17.99
  • Premium Lifetime$24.99
  • Premium$34.99
Show 1 more
  • Premium$99.99
None

DebtFlow

No in-app purchases

Questions

Is Debt Tracker free?
Debt Tracker is free to download, with in-app purchases available.
Is DebtFlow free?
DebtFlow is free to download, with no in-app purchases.
Do Debt Tracker or DebtFlow have ads?
Debt Tracker shows ads; DebtFlow does not.
Which is updated more often, Debt Tracker or DebtFlow?
Debt Tracker ships an update every 2 weeks, and DebtFlow every 3 months. Most recently, Debt Tracker was updated on October 17, 2026 and DebtFlow on October 12, 2026.

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