# Debts vs Cash Flow

The clearest difference is review sentiment: Debts at 67% against Cash Flow's 50%. Debts also leads on chart position (#180 vs unranked) and iOS requirement (14.1 vs 18.2). Cash Flow's advantage is price ($0.99 vs $2.99). On update cadence, ads, in-app purchases and monetization model there is nothing between them.

Debts costs $2.99 and Cash Flow $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Debts ships an update every 5 months, Cash Flow every 8 months. The most recent releases landed on November 6, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Debts | Cash Flow |
| --- | --- | --- |
| Price | $2.99 | **$0.99** |
| Positive reviews | **66.7% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 months** | Every 8 months |
| Monetization | Paid | Paid |
| Best chart rank | **#180** | — |
| Size | 3 MB | 19 MB |
| Requires iOS | **14.1** | 18.2 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Coopla](https://appshunter.io/developer/322335418) | [Naushad Purayil](https://appshunter.io/developer/1803757559) |

## What reviewers say

### Debts

[App page](https://appshunter.io/ios/app/debts/id363447040)

**Currently charting:** #180 Top Paid · Finance (US App Store)

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

**In-app purchases:** none


### Cash Flow

[App page](https://appshunter.io/ios/app/cash-flow-money-tracker/id6743645286)

Easily track informal debts and shared expenses with friends, family, and colleagues. This personal finance app offers an intuitive interface to manage who owes you and who you owe, providing clear balance summaries and transaction history.

**Highlights:** Two-way transaction tracking, Comprehensive transaction management, Reconciliation system, Powerful search functionality, Clear balance summaries, Intuitive interface

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

**In-app purchases:** none


## Frequently asked questions

### Is Debts free?

Debts costs $2.99, with no in-app purchases.

### Is Cash Flow free?

Cash Flow costs $0.99, with no in-app purchases.

### Do Debts or Cash Flow have ads?

Neither Debts nor Cash Flow shows ads.

### Which is updated more often, Debts or Cash Flow?

Debts ships an update every 5 months, and Cash Flow every 8 months. Most recently, Debts was updated on November 6, 2026 and Cash Flow on October 30, 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.*