Account Tracker vs Debt Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Account Tracker
Manage your personal finances by tracking spending and monitoring balances across various accounts. Features include alerts, bill reminders, budgeting tools, detailed reports, and multi-currency support for comprehensive financial control.
- Track multiple account types
- Set bill reminders and alerts
- Create and monitor budgets
- Generate detailed financial reports
- Multi-currency support
- Data syncing across devices
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Apple "New apps and games we love" (on the Mac), March 2017 Apple "Staff Favourite" in the UK (on iOS), Jul/Aug 2010 Account Tracker is a powerful personal finance app that helps you track spending and monitor balances across multiple accounts. Its clean, intuitive user interface, and features such as alerts, bill reminders, budgets, reports and full multi-currency support, make it easy to take control of your finances. This FREE version requires a subscription, either quarterly or yearly. When you sign up, the first month is free, to give you a chance to try the app before being charged. You can manage or cancel your subscription at any time by going to your account settings on the AppStore. If you prefer a subscription-free alternative, Account Tracker Pro gives you the same content, plus basic support for Apple Watch. Also check out Account Tracker for Mac, now available on the Mac App Store. It requires Account Tracker version 6 or above (to sync over iCloud or Dropbox), and macOS Sierra (10.12) or above. ACCOUNTS - Track multiple accounts: checking, current, savings, credit cards, loans/mortgages ... etc - Separate your accounts into groups, e.g. personal vs business accounts - Enter your recurring transactions using calendar-based repeat intervals, e.g. every 2 weeks, the last Friday of every month ... etc - Quickly and simply enter one-off transactions as they happen - Reconcile your account data with your statements - While it is useful to see where your money goes, you can also look FORWARDS, showing all of your future commitments - Alerts if an account is likely to go overdrawn or hit its overdraft limit BILLS - Enable reminders for non-automatic transactions, e.g. bills that you have to pay manually - View all transactions with reminders set - Alerts to tell you when these transactions are due BUDGETS - Add budgets per category for spending, income and transfers across individual or multiple accounts - View these as daily, weekly, fortnightly/biweekly, monthly, yearly or custom dates (e.g. tax years) - Monitor your transactions against the goals you set REPORTS - Detailed reports to really understand your financial position - Account balance over time, cash flow, spending by category or payee detail, income by category or payer and transfers by category - View these as daily, weekly, fortnightly/biweekly, monthly, yearly or custom dates (e.g. tax years) - Export or print reports as PDF files DATA, BACKUPS AND SYNCING - Import historical transactions or bank statements from a CSV file - Export account statements, budgets and reports in CSV format for offline processing, e.g. in a spreadsheet - Local backup and restore on your device, plus transfer of backups by AirDrop, email, Dropbox or iCloud - Support for database syncing across multiple devices (using either Dropbox or iCloud) - PIN code protection, plus Face/Touch ID and 1Password integration PLUS - Full multi-currency support, per account and per transaction - The default currency is the one local to your device, but this can be overridden - Supports sub-categories and splitting a transaction across multiple categories/subcategories - Universal, retina enabled app that works on the iPhone, iPad and iPod Touch - buy once, use it on ALL of your devices - In-app user guide SUPPORT Please use the link to my support page from the AppStore page or from the app itself (or simply go to http://grahamhaley.co.uk/accounts/). Alternatively, contact me directly via my support pages and you will get a quick response. MORE INFORMATION Privacy policy: http://grahamhaley.co.uk/privacy/ Terms of use (EULA): http://www.apple.com/legal/itunes/appstore/dev/stdeula
Debt Tracker
Manage and track multiple debts, including credit cards and loans. Visualize your repayment progress with clear indicators and receive monthly summaries to stay motivated and organized on your journey to becoming debt-free.
- Track multiple debt accounts
- Manage credit cards, loans, and personal borrowing
- Visualize repayment progress with percentage bars
- View paid and remaining balances
- Add monthly payment details and due dates
- Receive simple monthly payment summaries
- Stay motivated with progress-based messages
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Debt Tracker - Balance Due makes paying off debt simple, clear, and motivating - without the clutter of a full budgeting app. Add your credit cards, loans, finance agreements, and any money you owe, then watch your balances fall as you log payments. One clean overview shows it all: how much you owe, how much you've paid, and when you'll be debt-free. See the moment you'll be free. Balance Due projects your debt-free date from your balances and monthly payments - and the Payoff Accelerator shows how paying a little extra each month brings that date forward. KEY FEATURES • Track every debt in one calm overview • Credit cards, loans, finance, overdrafts and personal borrowing • Projected debt-free date - per debt and overall • Payoff Accelerator - see how extra payments speed things up • Balance trend and payment history for each debt • Clear progress bars and motivating status badges • Quick-deduct buttons to log regular payments fast • Beautiful light and dark design • Your local currency, detected automatically Private by design - your data stays on your device. No accounts to create. No bank logins. No complicated budgeting tools - just a focused way to clear what you owe, one payment at a time. Take control of your debt today.
Screenshots
Verdict
The clearest difference is review sentiment: Account Tracker at 96% against Debt Tracker's 50%. Account Tracker also leads on rating (4.5 vs 1.0) and ads (none vs shown). Debt Tracker's advantage is monetization model (free with in-app purchases vs subscription). On price, update cadence and in-app purchases 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. Account Tracker sells 3 in-app purchases, starting at $0.99 per 3 months and Debt Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
Account Tracker holds the better App Store score, 4.5 against 1.0. That said, the two scores are not equally well evidenced: Account Tracker has 33 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 96% of Account Tracker's written reviews are positive against 50% of Debt Tracker's.
Account Tracker ships an update every 2 months, Debt Tracker monthly. The most recent releases landed on September 19, 2026 and September 21, 2026 respectively.
| Parameter | Account Tracker | Debt Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (33 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 95.8% of reviews — better | 50.0% of reviews |
| Number of ratings | 33 — better | 1 |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Subscription | Free with in-app purchases — better |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 12.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 16 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Graham Haley | Paul Fraser |
Customer experience
Account Tracker
Debt Tracker
Bugs and requests
Account Tracker
Reported bugs
3 issues- Crashes when selecting accounts on iOS 8
- Login screen freezes
- Incompatible with older devices
Requested features
8 requests- Ability to attach photos of receipts to transactions
- Ability to delete old transactions
- Ability to set up a formula to calculate a transaction's amount based on the current balance of the account
- Ability to change an account name after it has been created
- Group sync that would automatically sync with all devices when changing information on one device
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- Ability to control when an item should receive a check mark
- Dark mode option
- Advanced analytics dashboard
Debt Tracker
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Account Tracker
- Full Access for 3 Months1 Month trial$0.993 Months
- Full Access for 12 Months1 Month trial$1.991 Year
- Version 6$3.99
Debt Tracker
- Balance Due Pro$6.99
Questions
Is Account Tracker free?
Is Debt Tracker free?
Which has better reviews, Account Tracker or Debt Tracker?
Do Account Tracker or Debt Tracker have ads?
Which is updated more often, Account Tracker or Debt Tracker?
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