Comparison

Debt Tracker vs Pocki

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

Pocki

Organize, plan, and optimize your finances individually or with a partner. Understand your spending habits to make better financial decisions and achieve your goals. Manage all your accounts and bills in one place.

Highlights
  • Joint finances and shared budgeting
  • Envelope budgeting method
  • Consolidated account management
  • Detailed spending analysis
  • Goal setting and prioritization
  • Organized bill storage
Features
Read full description

Deja de registrar gastos. Empieza a entenderlos. Pocki nació en casa, cuando una pareja decidió dejar de improvisar con su dinero y empezar a construir un plan juntos. Entre hojas de Excel, cuentas separadas y gastos sin claridad, entendimos algo importante: no se trata solo de registrar lo que gastas, sino de entenderlo y tomar mejores decisiones. Así nace Pocki. Una nueva forma de manejar tu dinero Pocki te ayuda a organizar, planificar y optimizar tus finanzas, ya sea de forma individual o en conjunto con tu pareja o familia. Porque el dinero no debería ser una fuente de estrés, sino una herramienta para construir lo que quieres. Lo que hace diferente a Pocki Finanzas en conjunto Comparte tu presupuesto y construyan un plan en equipo.
No es solo tu dinero, es el plan de todos. Método de sobres, adaptado a la vida real Organiza tu dinero en categorías con límites claros y seguimiento en tiempo real. Todas tus cuentas en un solo lugar Administra bancos, tarjetas y efectivo sin complicaciones. Entiende realmente en qué gastas No solo veas cuánto gastas en supermercado.
Descubre en qué productos se va tu dinero y encuentra oportunidades reales de ahorro. Metas claras y prioridades Divide tu presupuesto en compromisos fijos, gastos variables y objetivos. Facturas organizadas y respaldadas Guarda tus comprobantes y sincronízalos con servicios como Google Drive y Dropbox. Construido con personas reales Construimos Pocki junto a nuestros usuarios. Escuchamos, mejoramos y evolucionamos constantemente para ofrecer una experiencia cada vez más útil y personalizada. Más que una app de presupuesto Pocki no es solo para registrar gastos. Es para: * Tener claridad total sobre tu dinero * Tomar mejores decisiones * Reducir gastos innecesarios * Construir un plan con intención Empieza hoy Descarga Pocki gratis y comienza a tomar el control de tu dinero.

Screenshots

Debt Tracker4 screens
Pocki4 screens

Verdict

The call

The clearest difference is in-app purchases: Pocki at none against Debt Tracker's 15. Pocki also leads on ads (none vs shown) and update cadence (every 5 days vs every 2 weeks). Debt Tracker's advantage is ratings volume (67 vs 1). On price, rating, 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. Pocki asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Pocki holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debt Tracker has 67 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Debt Tracker ships an update every 2 weeks, Pocki every 5 days. The most recent releases landed on October 30, 2026 and September 14, 2026 respectively.

Scorecard5 real differences · 5 level
Debt Tracker versus Pocki: the parameters behind the verdict, then further details
ParameterDebt TrackerPocki
PriceFreeFree
Rating4.8 (67 ratings)5.0 (1 ratings) — better
Positive reviews83.3% of reviews—
Number of ratings67 — better1
Update frequencyEvery 2 weeksEvery 5 days — better
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size45 MB40 MB
Age rating17+4+
DeveloperDavid Serrano CanalesCovencomsa SA

Customer experience

Debt Tracker

All ratings66 ratings
Positive98.5%
Neutral0.0%
Negative1.5%
Written reviews6 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

Pocki

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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

Pocki

No in-app purchases

Questions

Is Debt Tracker free?
Debt Tracker is free to download, with in-app purchases available.
Is Pocki free?
Pocki is free to download, with no in-app purchases.
Which has better reviews, Debt Tracker or Pocki?
Pocki is rated higher. Debt Tracker averages 4.8 out of 5 from 67 ratings, while Pocki averages 5.0 from 1 ratings.
Do Debt Tracker or Pocki have ads?
Debt Tracker shows ads; Pocki does not.
Which is updated more often, Debt Tracker or Pocki?
Debt Tracker ships an update every 2 weeks, and Pocki every 5 days. Most recently, Debt Tracker was updated on October 30, 2026 and Pocki on September 14, 2026.

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