# Apex HRM vs Debt System

The clearest difference is in-app purchases: Apex HRM at none against Debt System's 9. On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Debt System sells 9 one-off in-app purchases. Apex HRM asks for nothing beyond the download.

Apex HRM ships an update every 2 weeks, Debt System every 3 weeks. The most recent releases landed on May 17, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | Apex HRM | Debt System |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (156 ratings)](https://appshunter.io/ios/app/debt-system/id6502643195/reviews)** |
| Number of ratings | — | **156** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | — | Free |
| Size | 70 MB | 129 MB |
| Requires iOS | 14.0 | 14.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Mohanned Afana](https://appshunter.io/developer/1483037692) | [TEAJAR LLC](https://appshunter.io/developer/1723164249) |

## What reviewers say

### Apex HRM

[App page](https://appshunter.io/ios/app/apex-hrm/id1641097851)

**Features:** macOS Compatibility

**In-app purchases:** none


### Debt System

[App page](https://appshunter.io/ios/app/debt-system/id6502643195)

Organize client accounts, record debts, and track payments effortlessly. Automate WhatsApp reminders for outstanding balances and send bulk messages to multiple clients. Generate clear financial reports to manage your accounts efficiently.

**Highlights:** Record debts and payments, Organize client accounts, Automated WhatsApp messaging, Collective reminder messages, Sort clients by debt amount, Financial account reports

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

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 100 WhatsApp Messages | $3.00 | one-time |
| 200 WhatsApp Messages | $5.00 | one-time |
| 500 WhatsApp Messages | $10.00 | one-time |
| 800 WhatsApp Messages | $15.00 | one-time |
| 1,200 WhatsApp Messages | $20.00 | one-time |
| 1,800 WhatsApp Messages | $25.00 | one-time |
| 4,000 WhatsApp Messages | $50.00 | one-time |
| 7,000 WhatsApp Messages | $75.00 | one-time |
| 10,000 WhatsApp Messages | $100.00 | one-time |


## Frequently asked questions

### Is Apex HRM free?

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

### Is Debt System free?

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

### Do Apex HRM or Debt System have ads?

Neither Apex HRM nor Debt System shows ads.

### Which is updated more often, Apex HRM or Debt System?

Apex HRM ships an update every 2 weeks, and Debt System every 3 weeks. Most recently, Apex HRM was updated on May 17, 2026 and Debt System on September 22, 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.*