# Debts vs Ace Budget 3

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 (#9 vs #196) 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.

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.

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.

## The numbers

| Metric | Debts | Ace Budget 3 |
| --- | --- | --- |
| Price | $2.99 | **$1.99** |
| Rating | — | **[4.3 (336 ratings)](https://appshunter.io/ios/app/ace-budget-3/id937339797/reviews)** |
| Number of ratings | — | **336** |
| Positive reviews | **66.7% of reviews** | 51.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | #196 | **#9** |
| Size | 3 MB | 9 MB |
| Requires iOS | **14.1** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Coopla](https://appshunter.io/developer/322335418) | [SVT Software](https://appshunter.io/developer/286029963) |

## What reviewers say

### Debts

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

**Currently charting:** #196 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


### Ace Budget 3

[App page](https://appshunter.io/ios/app/ace-budget-3/id937339797)

**Currently charting:** #9 Top Paid · Finance (US App Store)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and simple to use
- 👍 Straightforward budgeting tool
- 💯 Effective for tracking expenses
- 📊 Helpful monthly charts and data

**What reviewers complain about**

- 🐛 Crashes and glitches with recent iOS updates
- ⚠️ Inability to edit past months' data
- 🔄 Inconsistent monthly budget cycle
- 🔗 Lack of sync with Accounts 3 app

**Reported bugs**

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

**Requested features**

- 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.)


## Frequently asked 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 #196 in the App Store charts, and Ace Budget 3 at #9. Chart position reflects recent download velocity rather than total install base.

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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.*