Comparison

iSpreadsheet™ vs Debit & Credit

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

iSpreadsheet™

Create and manage spreadsheets on your iPhone and iPad with this powerful yet simple application. It offers compatibility with major office solutions, supports various file formats, and integrates with cloud storage services for seamless access and sharing.

Highlights
  • Excel formula compatibility
  • Cloud storage integration (Google Drive, Dropbox, iCloud, etc.)
  • Supports .XLS and .CSV file formats
  • Offline formula wizard
  • Cell formatting
  • Portrait and landscape view
Features
Read full description

iSpreadsheet is a free, simple to use yet powerfull mobile spreadsheet Application for your iPhone & iPad. Quickly create beautiful spreadsheets that are compatible with major office solutions such as Excel and Numbers. iSpreadsheet is built from the ground up for iPhone and iPad so it runs very fast even on older devices. And iSpreadsheet works seamlessly with a myriad of file transfer and storage options including: Windows SMB Network Share, Box, Dropbox, Google Drive, Docs, OneDrive, iCloud and more. Supports Formatting and Formulas. Uses CSV comma separated file format for maximum compatibility. Can read numbers and excel xls xlsx files too! FEATURES: • Google Docs Integration • iCloud & iCloud Drive Integration • Manage both online and offline worksheets • Portrait & Wide-screen Landscape view • Load .XLS and .CSV files from Google Documents. (without formatting) • Save in .CSV format (RFC 4180 compliant) • Manage multiple Spreadsheets • Execute complex arithmetic formulas • Access a useful subset of Excel formulas • Cell Formatting • Column Resizing • Clipboard Copy Paste • Column Row Insert • Progressive Loading • Fluid Graphics • Familiar Interface • Online help • Offline formula wizard • Context Aware Toolbar • Autosave & Recovery • Free Updates More Free iPhone Apps: http://www.savysoda.com

About

Debit & Credit

Manage all your finances in one place with this intuitive personal finance app. Track spending, create budgets, and plan for the future with automatic transaction import and detailed reports. Syncs across devices and offers shared account management.

Highlights
  • All accounts in one app
  • Apple Card integration
  • Fast transaction entry
  • Budgets and scheduled transactions
  • Financial planning
  • Detailed reports
  • iCloud sync
  • Shared accounts
Features
Read full description

If you are looking for a personal finance app that is convenient, easy to use and at the same time has enough features, then Debit & Credit is the right app for you. • All Accounts in One App Keeping financial records was always a bit of a hassle. But now you can actually enjoy it. See all your accounts in one place and switch between them with one simple touch. • Integration with Apple Card, Apple Cash, and Apple Savings Get your transactions from Apple Card automatically imported into the app. Debit & Credit will help you to automatically categorize them using import rules. • Super Fast Creating a new transaction now takes a matter of seconds. It has never been easier with gestures and other features that we developed for you. And we will never require you to make dozens of unnecessary taps to accomplish simple tasks. • Locations (Geotagging) Shopping frequently at the same place? Save its location to record expenses even faster. You can also get a list of saved payees sorted by distance. • Budgets & Scheduled Transactions Do you want to budget expenses on a particular category? No problems. Do you plan to make a transaction in the future and want to be reminded about it? Consider it done. • Financial Plans Plan ahead by creating a financial plan for the next year. Compare your performance against it and see your future net wealth. • Reports We believe in clean, crisp reports that are easy to read and understand. See where and what do you spend your money on. Other types of reports are available too. • iCloud Sync We will never ask you to create an account or provide any personal details. All data is stored in iCloud, it is not available to anyone except you. • Shared Accounts Do you want to share some of your accounts with someone else? No problems, you can share selected accounts via iCloud while keeping other accounts private. Great for managing family finances! • Bank reconciliation mode Sometimes we all need extra help to keep our accounts in shape. You can easily reconcile your accounts with bank statements in the app to eliminate any disparities. • Importing data We know how important it is to be able to import transactions from your financial institutions. That's why we support CSV, QIF, QMTF, OFX and QFX files. And you can also choose which particular transactions to import from a file, something that not all financial apps know how to do. • Watch App Create new transactions on the go with the Apple Watch app. You can also check your budgets and pay scheduled transactions with it. • Powerful features Split categories, pending transactions, URL schemes, file attachments, transaction tags, Siri, Touch ID and Face ID support, printing reports and saving them as PDF files - all those and many other features are at your disposal when you need them. • Mac version of the app You can download macOS version of the app on the Mac App Store. It has even more features and syncs fast with the iOS companion via iCloud. Some features are limited to premium version subscribers. Premium version is an annual subscription. Our privacy policy, as well as subscription terms are available at https://debitandcredit.app/privacy-policy-with-terms.html. In case of any questions please don't hesitate to contact support@debitandcreditapp.com.

Screenshots

iSpreadsheet™4 screens
Debit & Credit4 screens

Verdict

The call

The clearest difference is in-app purchases: iSpreadsheet™ at none against Debit & Credit's 3. iSpreadsheet™ also leads on ratings volume (10K vs 2.4K) and iOS requirement (12.0 vs 15.0). Debit & Credit's advantage is ads (none vs shown) and rating (4.8 vs 4.5). On price, monetization model 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debit & Credit sells 3 in-app purchases, starting at $19.99 per year. iSpreadsheet™ asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Debit & Credit holds the better App Store score, 4.8 against 4.5. Both are backed by a comparable volume of ratings — 10K and 2.4K respectively. Written reviews point the same way: 81% of iSpreadsheet™'s written reviews are positive against 89% of Debit & Credit's.

UpkeepUpdate frequency

iSpreadsheet™ ships an update every 2 months, Debit & Credit every 3 weeks. The most recent releases landed on October 18, 2026 and October 19, 2026 respectively.

Scorecard7 real differences · 3 level
iSpreadsheet™ versus Debit & Credit: the parameters behind the verdict, then further details
ParameteriSpreadsheet™Debit & Credit
PriceFreeFree
Rating4.5 (10K ratings)4.8 (2.4K ratings) — better
Positive reviews80.5% of reviews89.4% of reviews — better
Number of ratings10K — better2.4K
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS12.0 — better15.0
Further details — not scored
Size41 MB30 MB
Age rating4+4+
DeveloperSavy Soda Pty LtdIvan Pavlov Pty Ltd

Customer experience

iSpreadsheet™

All ratings10,142 ratings
Positive87.2%
Neutral4.9%
Negative7.8%
Written reviews811 reviews
Positive80.5%
Neutral6.2%
Negative13.3%

Debit & Credit

All ratings2,405 ratings
Positive95.4%
Neutral2.7%
Negative1.9%
Written reviews396 reviews
Positive89.4%
Neutral5.8%
Negative4.8%

User reviews

iSpreadsheet™

From 10K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Simple and straightforward
  • 💡 Great for basic spreadsheet needs
  • 👍 User-friendly interface
  • 👍 Convenient for mobile use

Room to improve

  • 🐛 Crashes and stability issues
  • 🔒 Lack of security features
  • 💡 Limited functionality compared to Excel
  • 🐛 Formatting and editing problems
  • 💡 Needs more advanced features

Debit & Credit

From 2.4K App Store ratings

What we love

  • 🚀 Great app
  • 👍 Simple and easy to use
  • 🔒 Secure and private
  • 💻 Seamless sync between devices
  • 📊 Excellent budgeting and reporting features

Room to improve

  • 🐛 Occasional bugs and glitches
  • 💰 Subscription model may be costly for some
  • 🔍 Limited customization options
  • 📅 Lack of advanced scheduling and forecasting

Bugs and requests

iSpreadsheet™

Reported bugs

7 issues
  • Crashes when opening certain files
  • Formulas not updating correctly
  • Highlighted cell not tracking properly
  • Inability to expand columns past 10
  • Rows disappearing after 50 entries
Show 2 more
  • Compatibility issues with newer iOS versions
  • Syncing problems with iCloud and other cloud services

Requested features

7 requests
  • Ability to insert and delete rows/columns
  • More formatting options and customization
  • Improved formula and calculation support
  • Sync and cloud integration capabilities
  • Undo/redo functionality
Show 2 more
  • Freeze panes and split screen options
  • Improved support for Excel file formats

Debit & Credit

Reported bugs

3 issues
  • Duplication of transactions
  • Syncing issues between devices
  • Incorrect account balances

Requested features

4 requests
  • Ability to track cryptocurrency transactions
  • Option to view uncleared and cleared balances separately
  • More detailed budget and spending visualizations
  • Improved shared account management

In-app purchases

None

iSpreadsheet™

No in-app purchases

3 purchases

Debit & Credit

Subscriptions3
  • Premium Version$19.991 Year
  • Premium Version1 Year trial$19.991 Year
  • Premium Version7 Days trial$19.991 Year

Questions

Is iSpreadsheet™ free?
iSpreadsheet™ is free to download, with no in-app purchases.
Is Debit & Credit free?
Debit & Credit is free to download, with in-app purchases available.
Which has better reviews, iSpreadsheet™ or Debit & Credit?
Debit & Credit is rated higher. iSpreadsheet™ averages 4.5 out of 5 from 10K ratings, while Debit & Credit averages 4.8 from 2.4K ratings.
Do iSpreadsheet™ or Debit & Credit have ads?
iSpreadsheet™ shows ads; Debit & Credit does not.
Which is updated more often, iSpreadsheet™ or Debit & Credit?
iSpreadsheet™ ships an update every 2 months, and Debit & Credit every 3 weeks. Most recently, iSpreadsheet™ was updated on October 18, 2026 and Debit & Credit on October 19, 2026.

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