Comparison

Debts vs Ace Budget 3

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

Ace Budget 3

Easily track your spending and manage your finances with this intuitive personal finance app. Create custom budgets, schedule recurring transactions, and view insightful reports. Securely access your data with biometric authentication and sync across devices.

Highlights
  • Biometric authentication (Face ID/Touch ID)
  • iCloud data synchronization
  • Customizable budget cycles
  • Recurring transaction scheduling
  • Photo receipt capture
  • Charts and reports
  • Data export (CSV/HTML)
Features
Currently charting
Read full description

Ace Budget 3 is an easy to use personal finance application to help you track your spending and keep to a budget. You can create daily, weekly, monthly, semimonthly, quarterly, and yearly budgets. You will be able to schedule recurring transactions, set reminders, view graphs, compare historical data, and much more. Every feature of Ace Budget 3 is designed to be quick, clean, intuitive, and easy to use. FEATURES * Face ID and Touch ID Support - Use Face ID or Touch ID to authenticate and launch the app quicker and more conveniently. * Sync Data via iCloud - Sync your data across iPhone, iPad, and iPod Touch devices. * Universal Binary - Designed for iPhone, iPod Touch, and iPad devices. No need to buy separate apps for each device. * Charts and Reports - See your monthly income and expenses through charts and reports. * Photo Receipts - Capture and store photo receipt as part of a transaction. * AirPrint Support - Print reports directly from your iPhone or iPad to any AirPrint-enabled printer. * Multiple Budget Cycles - Create daily, weekly, biweekly, semimonthly, monthly, quarterly, or yearly budget cycles. * Transaction Reminder - Set reminders for scheduled transactions to warn you when expenses are due. * Transactions Scheduling - Schedule recurring transactions based on the start date and frequency you choose. * Quick Entry List - Create a repeating transaction list for quick selection instead of retyping details. * Smart Autocomplete - As you type, a list will show the previously entered descriptions for you to select from to save re-typing. * Search - Quickly search for transactions and edit from the same screen. * Budget History - At the end each cycle, all information for a budget category is archived and can be easily viewed for comparative purposes. * Transfer - Move funds from one budget category to another in a single operation. * Export Capability - Export budget data in CSV or HTML format for external viewing. * Customization Settings & Themes - Configurable settings and themes to customize the application based on your preferences. * Budget Delete Lock - Prevents accidental deletion of all the transactions under a budget category. * Customizable Sorting - Sort transactions based on your preference either ASC or DESC order by date. * Backup / Restore - You can backup and restore via Dropbox, email, or iTunes file sharing. * Clean, Intuitive User Interface * FREE Ace Budget 3 Lite Version - Please download the Ace Budget 3 Lite version to try before you buy. * If you like this app, then please support us with a positive rating. Thank you!

Screenshots

Debts4 screens
Ace Budget 34 screens

Verdict

The call

The clearest difference is update cadence: Ace Budget 3 at every 3 weeks against Debts's every 5 months. Ace Budget 3 also leads on chart position (#48 vs #194) and price ($1.99 vs $2.99). Debts's advantage is review sentiment (67% vs 51%) and iOS requirement (14.1 vs 26.0). On ads, in-app purchases 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

Debts costs $2.99 and Ace Budget 3 $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Debts ships an update every 5 months, Ace Budget 3 every 3 weeks. The most recent releases landed on October 11, 2026 and October 20, 2026 respectively.

Scorecard6 real differences · 5 level
Debts versus Ace Budget 3: the parameters behind the verdict, then further details
ParameterDebtsAce Budget 3
Price$2.99$1.99 — better
Rating—4.3 (336 ratings) — better
Positive reviews66.7% of reviews — better51.0% of reviews
Number of ratings—336 — better
Update frequencyEvery 5 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationPaidFree with in-app purchases — better
Best chart rank#194#48 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS14.1 — better26.0
Further details — not scored
Size3 MB9 MB
Age rating4+4+
DeveloperCooplaSVT Software

Customer experience

Debts

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

Ace Budget 3

All ratings336 ratings
Positive85.7%
Neutral5.4%
Negative8.9%
Written reviews98 reviews
Positive51.0%
Neutral13.3%
Negative35.7%

Bugs and requests

Debts

Not enough reviews yet to summarise bugs or requests.

Ace Budget 3

Reported bugs

3 issues
  • iCloud sync issues causing data loss
  • Recurring transactions not working properly
  • Budget categories overlapping with UI elements

Requested features

5 requests
  • Ability to manually adjust budget cycle dates
  • Option to view/edit past months' data
  • Sync with Accounts 3 app
  • Multi-user support for shared budgets
  • More customization options (colors, graphs, etc.)

In-app purchases

None

Debts

No in-app purchases

None

Ace Budget 3

No in-app purchases

Questions

Is Debts free?
Debts costs $2.99, with no in-app purchases.
Is Ace Budget 3 free?
Ace Budget 3 costs $1.99, with no in-app purchases.
Do Debts or Ace Budget 3 have ads?
Neither Debts nor Ace Budget 3 shows ads.
Which is updated more often, Debts or Ace Budget 3?
Debts ships an update every 5 months, and Ace Budget 3 every 3 weeks. Most recently, Debts was updated on October 11, 2026 and Ace Budget 3 on October 20, 2026.
Which is more popular, Debts or Ace Budget 3?
Debts currently peaks at #194 in the App Store charts, and Ace Budget 3 at #48. Chart position reflects recent download velocity rather than total install base.

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