Debt Tracker vs Pocki
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- Joint finances and shared budgeting
- Envelope budgeting method
- Consolidated account management
- Detailed spending analysis
- Goal setting and prioritization
- Organized bill storage
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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
Verdict
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
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.
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.
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.
| Parameter | Debt Tracker | Pocki |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (67 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 83.3% of reviews | — |
| Number of ratings | 67 — better | 1 |
| Update frequency | Every 2 weeks | Every 5 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 45 MB | 40 MB |
| Age rating | 17+ | 4+ |
| Developer | David Serrano Canales | Covencomsa SA |
Customer experience
Debt Tracker
Pocki
In-app purchases
Debt Tracker
- Premium$2.991 Month
- Premium$3.991 Month
- Premium$7.491 Month
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- 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
- Premium$17.99
- Premium Lifetime$24.99
- Premium$34.99
Show 1 moreShow fewer
- Premium$99.99
Pocki
No in-app purchases









