# Debt Tracker vs SettleCub

The clearest difference is in-app purchases: SettleCub at none against Debt Tracker's 15. SettleCub also leads on ads (none vs shown) and update cadence (daily vs every 3 weeks). Debt Tracker's advantage is iOS requirement (15.6 vs 17.0). On price and device support there is nothing between them.

Both are free to download. Debt Tracker sells 15 in-app purchases, starting at $2.99 per month. SettleCub asks for nothing beyond the download.

Debt Tracker ships an update every 3 weeks, SettleCub daily. The most recent releases landed on October 1, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Debt Tracker | SettleCub |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (61 ratings)](https://appshunter.io/ios/app/debt-tracker-personal-debts/id1632402707/reviews)** | — |
| Number of ratings | **61** | — |
| Positive reviews | 83.3% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Daily** |
| Monetization | Free with in-app purchases | — |
| Size | 46 MB | 6 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [David Serrano Canales](https://appshunter.io/developer/1544987496) | [Ahmed MOHAMED](https://appshunter.io/developer/1879165166) |

## What reviewers say

### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-personal-debts/id1632402707)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (15)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $2.99 | per month |
| Premium | $3.99 | per month |
| Premium | $7.49 | per month |
| Premium | $8.99 | per year |
| Premium | $11.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $12.99 | per year |
| Premium | $17.99 | per year |
| Premium | $17.99 | per year |
| Premium | $37.99 | per year |
| Premium | $17.99 | one-time |
| Premium Lifetime | $24.99 | one-time |
| Premium | $34.99 | one-time |
| Premium | $99.99 | one-time |


### SettleCub

[App page](https://appshunter.io/ios/app/settlecub-split-debts/id6760327166)

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Tracker free?

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

### Is SettleCub free?

SettleCub is free to download, with no in-app purchases.

### Do Debt Tracker or SettleCub have ads?

Debt Tracker shows ads; SettleCub does not.

### Which is updated more often, Debt Tracker or SettleCub?

Debt Tracker ships an update every 3 weeks, and SettleCub daily. Most recently, Debt Tracker was updated on October 1, 2026 and SettleCub on September 30, 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.*