# iSpreadsheet™ vs Debit & Credit

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.

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.

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.

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.

## The numbers

| Metric | iSpreadsheet™ | Debit & Credit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (10K ratings)](https://appshunter.io/ios/app/ispreadsheet-office-sheets/id306226132/reviews) | **[4.8 (2.4K ratings)](https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews)** |
| Number of ratings | **10K** | 2.4K |
| Positive reviews | 80.5% of reviews | **89.4% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 41 MB | 30 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Savy Soda Pty Ltd](https://appshunter.io/developer/295726257) | [Ivan Pavlov Pty Ltd](https://appshunter.io/developer/375311513) |

## What reviewers say

### iSpreadsheet™

[App page](https://appshunter.io/ios/app/ispreadsheet-office-sheets/id306226132)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- 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


### Debit & Credit

[App page](https://appshunter.io/ios/app/debit-and-credit/id882637543)

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:** Family Sharing, Siri integration, Apple Watch app

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Duplication of transactions
- Syncing issues between devices
- Incorrect account balances

**Requested features**

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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*