Debt Tracker vs Tip Tracker
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.
Tip Tracker
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Know what every shift is really worth. Tiploom is a private tip tracker for servers, bartenders and anyone whose income includes tips. Log cash and card tips in three taps, add hours and wages when the shift ends, and see your real hourly rate. LOG TIPS FAST • One "Log tips" button: amount, cash or card, save. Tips go straight into tonight's shift. • Shift clock: tap Start shift when you arrive and End shift when you leave. Your start time, end time and hours are filled in, and your wages too if your saved job has an hourly rate. • Start and end times, or hours and minutes, with unpaid breaks. Overnight shifts and clock changes are handled correctly. • Card tips received now or paid later through payroll, including partly paid tips. APPLE WATCH, WIDGETS AND SIRI • Apple Watch app: log a cash or card tip from your wrist with a number pad, see today's and this week's tips, and start or end your shift clock. • Works when your iPhone is out of reach: entries are stored on your Watch and added to your iPhone ledger when it is nearby again. The Watch app is a companion and needs Tiploom on your iPhone. • A watch-face complication, a free "Log tips" widget for the Home Screen and Lock Screen, and a Control Center control (iOS 18 or later) all open tip entry. • Siri and Shortcuts: say "Log a cash tip in Tiploom" or "Log a card tip in Tiploom" and Siri asks for the amount, without opening the app. From a locked iPhone, the tip is added once you unlock it. Also: "Today's tips in Tiploom", "Start my shift in Tiploom" and "End my shift in Tiploom". KNOW YOUR NUMBERS • This week's net tips, effective hourly rate and tips per shift on the home screen. • A week chart: tap a day to see its shifts. • Optional sales per shift, giving tip % of sales. • Tip-out as an amount, % of tips or % of sales, with presets per job. • Payroll payments and withholding, so you can see what is still expected. YOUR MONTH, ON RECORD • Monthly tip record: cash tips, card tips, tips received from coworkers, tips paid out and net tips. • Share the month as CSV. PDF comes with Pro. FREE, WITH NO ADS Unlimited tips and shifts, full history and corrections, week and month views, one saved job preset, payroll records, CSV export, manual backups and restore, Apple Watch logging, the shift clock, Siri, and the Log tips widget and control. No account and no ads. TIPLOOM PRO Year, all-time and custom reports · Weekday insights · Earnings goal · Multiple saved jobs · PDF reports · Automatic iCloud Drive backups · Widgets with today's tips, this week's tips and earnings-goal progress · Live Activity for your running shift, with elapsed time and tips so far. Monthly and yearly plans renew automatically until canceled. Lifetime is a single payment. All plans include the same Pro features. Your records stay on your device and in the backup folder you choose. Apple Watch entries travel directly between your Watch and your iPhone. No developer server. Tiploom is a personal record, not a tax calculator or an employer payroll service. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://tiploom.com/privacy/
Screenshots
Verdict
The clearest difference is ads: Tip Tracker at none against Debt Tracker's shown. Tip Tracker also leads on update cadence (every 5 days vs every 2 weeks). Debt Tracker's advantage is iOS requirement (15.6 vs 17.0). On price, in-app purchases and device support 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 and Tip Tracker sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
Debt Tracker ships an update every 2 weeks, Tip Tracker every 5 days. The most recent releases landed on October 17, 2026 and October 11, 2026 respectively.
| Parameter | Debt Tracker | Tip Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (66 ratings) — better | — |
| Positive reviews | 83.3% of reviews | — |
| Number of ratings | 66 — better | — |
| Update frequency | Every 2 weeks | Every 5 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 15.6 — better | 17.0 |
| Further details — not scored | ||
| Size | 45 MB | 12 MB |
| Age rating | 17+ | 4+ |
| Developer | David Serrano Canales | EUTOPIX LABS |
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
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- Premium$99.99
Tip Tracker
- Tiploom Pro Monthly$2.991 Month
- Tiploom Pro Annual$19.991 Year
- Tiploom Pro$49.99









