Comparison

Debts vs Debt Tracker

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

Head to head
About

Debts

This app helps you manage and pay off your debts. Track payments, get reminders, and use a built-in estimator to plan your payoff strategy, including the debt snowball method. Export reports and manage multiple currencies.

Highlights
  • Track debt and payments
  • Payment schedule and reminders
  • Debt payoff estimator
  • Debt snowball method support
  • Export reports (CSV/PDF)
  • Multi-currency support
Currently charting
Read full description

Debts is a companion app for tracking debt on your road to financial freedom. Track what you owe, record payments and spending, get reminders from your payment schedule, and plan your payoff with the built-in estimator. Record detailed payment and spending transactions for accurate balances. A clear progress indicator keeps your payoff momentum going, while the payment schedule highlights upcoming due dates at a glance. Use the Payoff Plan to estimate total interest and your payoff date. Debts includes the popular debt snowball method, taught and endorsed by many financial professionals: you focus on one debt at a time in a chosen payoff order, and once a debt is cleared, its payment amount “snowballs” to the next. FEATURES * Payment progress indicators for easy tracking and motivation * Record payment and spending transactions for accurate balances * Quick view of upcoming scheduled payments * Timely due-date reminders with notifications * Payoff Plan estimator to support your payoff planning * Built-in debt snowball method for estimates and planning * Export reports with charts in CSV/PDF and open in third-party apps (e.g., Numbers, Dropbox) * Supports multiple currencies based on your device region settings (USD, EUR, JPY, and more) Debts is a universal app for iPhone and iPad. No sign-up. No ads. Your data stays on your device.

About

Debt Tracker

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

Highlights
  • Manage debts and receivables
  • Separate by currency
  • Debt payoff planner
  • Monthly status tracking
  • Payment tracker
  • Money tracking
Features
Read full description

Debt Tracker is the ideal app for anyone who needs to manage their debt efficiently. With this app, you can easily stay organized and keep track of all your financial commitments. Whether it’s tracking your debt or monitoring what others owe you, the app’s powerful features help you stay on top of it all with our comprehensive debt tracker. Here’s what Debts - Manage your debtors offers: 1. Manage your debt and receivables effortlessly. 2. Separate your debts and receivables by currency for easy management of international transactions. 3. Track the total amount of your debts and receivables at any time. 4. Use the debt payoff planner to organize your payments and set clear goals. 5. Keep track of the monthly status of your debts and payments. 6. Stay organized with our easy-to-use payment tracker. 7. Track your overall finances with the intuitive money tracking app. Our debt payoff planner helps you create a clear path to pay off your debt, so you always know what’s next. The debt payoff planner tracker ensures you stay on track with monthly updates, allowing you to see exactly where you stand with your debt. This way, you can avoid surprises and manage everything in one place. With the debt tracker, you can also keep an eye on your overall debt status and stay organized by tracking both debts and receivables. The debt tracker feature is designed to provide a clear overview of what you owe and what others owe you, ensuring you never lose sight of your financial situation. Additionally, the debt payoff planner tracker keeps you informed on the progress of your debt payoff plan. Plus, the payment tracker makes it easy to monitor every payment, whether you’re paying off your debt or waiting to receive funds. Our money tracker and money tracking app also help you get a complete view of your finances, so you can always stay in control. Download Debt tracker today and take control of your debt! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Debts4 screens
Debt Tracker4 screens

Verdict

The call

The clearest difference is price: Debt Tracker at Free against Debts's $2.99. Debt Tracker also leads on update cadence (every 5 weeks vs every 5 months). Debts's advantage is in-app purchases (none vs 3) and chart position (#191 vs unranked). On review sentiment, ads 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

Debt Tracker is free to download; Debts costs $2.99 up front. Debt Tracker sells 3 in-app purchases, starting at $0.99 per month. Debts asks for nothing beyond the download.

UpkeepUpdate frequency

Debts ships an update every 5 months, Debt Tracker every 5 weeks. The most recent releases landed on October 11, 2026 and October 12, 2026 respectively.

Scorecard6 real differences · 5 level
Debts versus Debt Tracker: the parameters behind the verdict, then further details
ParameterDebtsDebt Tracker
Price$2.99Free — better
Rating—4.4 (105 ratings) — better
Positive reviews66.7% of reviews — better63.6% of reviews
Number of ratings—105 — better
Update frequencyEvery 5 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaidFree with in-app purchases — better
Best chart rank#191 — better—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS14.1 — better16.4
Further details — not scored
Size3 MB38 MB
Age rating4+4+
DeveloperCooplaAppFlux Labs

Customer experience

Debts

Written reviews24 reviews
Positive66.7%
Neutral4.2%
Negative29.2%

Debt Tracker

All ratings105 ratings
Positive83.8%
Neutral6.7%
Negative9.5%
Written reviews44 reviews
Positive63.6%
Neutral9.1%
Negative27.3%

In-app purchases

None

Debts

No in-app purchases

3 purchases

Debt Tracker

Subscriptions2
  • 1 Month$0.991 Month
  • 12 Months$4.991 Year
One-time1
  • Lifetime$9.99

Questions

Is Debts free?
Debts costs $2.99, with no in-app purchases.
Is Debt Tracker free?
Debt Tracker is free to download, with in-app purchases available.
Do Debts or Debt Tracker have ads?
Neither Debts nor Debt Tracker shows ads.
Which is updated more often, Debts or Debt Tracker?
Debts ships an update every 5 months, and Debt Tracker every 5 weeks. Most recently, Debts was updated on October 11, 2026 and Debt Tracker on October 12, 2026.

Other comparisons