ClearCheckbook vs Debit & Credit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ClearCheckbook
Manage your personal finances on the go with this comprehensive tool. Track transactions, view balances, set budgets, and monitor bill payments. Securely syncs with your online account for access across all devices.
- View account balances and transaction history
- Add and edit transactions
- Organize accounts and categories
- Set budgets and reminders
- Track bill payments
- Project future balances
- Spending tracker
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ClearCheckbook is a powerful and easy-to-use financial management app that syncs seamlessly with your ClearCheckbook.com account. The app provides tools that help you manage your finances including: - Instantly view account balances and transaction history - Add and edit transactions on the go - Create and organize accounts and categories to fit your needs - Set budgets, reminders, and recurring transactions - Track your bill payments so you never miss paying a bill - Project future balances and use our spending tracker All your data is securely backed up and accessible across all of your devices via ClearCheckbook.com.
Debit & Credit
Manage all your finances in one place with this intuitive personal finance app. Track spending, create budgets, and plan for the future with automatic transaction import and detailed reports. Syncs across devices and offers shared account management.
- All accounts in one app
- Apple Card integration
- Fast transaction entry
- Budgets and scheduled transactions
- Financial planning
- Detailed reports
- iCloud sync
- Shared accounts
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If you are looking for a personal finance app that is convenient, easy to use and at the same time has enough features, then Debit & Credit is the right app for you. • All Accounts in One App Keeping financial records was always a bit of a hassle. But now you can actually enjoy it. See all your accounts in one place and switch between them with one simple touch. • Integration with Apple Card, Apple Cash, and Apple Savings Get your transactions from Apple Card automatically imported into the app. Debit & Credit will help you to automatically categorize them using import rules. • Super Fast Creating a new transaction now takes a matter of seconds. It has never been easier with gestures and other features that we developed for you. And we will never require you to make dozens of unnecessary taps to accomplish simple tasks. • Locations (Geotagging) Shopping frequently at the same place? Save its location to record expenses even faster. You can also get a list of saved payees sorted by distance. • Budgets & Scheduled Transactions Do you want to budget expenses on a particular category? No problems. Do you plan to make a transaction in the future and want to be reminded about it? Consider it done. • Financial Plans Plan ahead by creating a financial plan for the next year. Compare your performance against it and see your future net wealth. • Reports We believe in clean, crisp reports that are easy to read and understand. See where and what do you spend your money on. Other types of reports are available too. • iCloud Sync We will never ask you to create an account or provide any personal details. All data is stored in iCloud, it is not available to anyone except you. • Shared Accounts Do you want to share some of your accounts with someone else? No problems, you can share selected accounts via iCloud while keeping other accounts private. Great for managing family finances! • Bank reconciliation mode Sometimes we all need extra help to keep our accounts in shape. You can easily reconcile your accounts with bank statements in the app to eliminate any disparities. • Importing data We know how important it is to be able to import transactions from your financial institutions. That's why we support CSV, QIF, QMTF, OFX and QFX files. And you can also choose which particular transactions to import from a file, something that not all financial apps know how to do. • Watch App Create new transactions on the go with the Apple Watch app. You can also check your budgets and pay scheduled transactions with it. • Powerful features Split categories, pending transactions, URL schemes, file attachments, transaction tags, Siri, Touch ID and Face ID support, printing reports and saving them as PDF files - all those and many other features are at your disposal when you need them. • Mac version of the app You can download macOS version of the app on the Mac App Store. It has even more features and syncs fast with the iOS companion via iCloud. Some features are limited to premium version subscribers. Premium version is an annual subscription. Our privacy policy, as well as subscription terms are available at https://debitandcredit.app/privacy-policy-with-terms.html. In case of any questions please don't hesitate to contact support@debitandcreditapp.com.
Screenshots
Verdict
The clearest difference is review sentiment: Debit & Credit at 89% against ClearCheckbook's 38%. Debit & Credit also leads on rating (4.8 vs 3.1) and ratings volume (2.4K vs 153). On price, update cadence, ads 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. ClearCheckbook sells 1 one-off in-app purchase and Debit & Credit sells 3 in-app purchases, starting at $19.99 per year. Whichever you choose, the download price is not the number that matters.
Debit & Credit holds the better App Store score, 4.8 against 3.1. That said, the two scores are not equally well evidenced: Debit & Credit has 2.4K ratings behind it against 153, so its average is the more settled of the two. Written reviews point the same way: 38% of ClearCheckbook's written reviews are positive against 89% of Debit & Credit's.
ClearCheckbook ships an update fortnightly, Debit & Credit every 3 weeks. Both last shipped on October 26, 2026.
| Parameter | ClearCheckbook | Debit & Credit |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (153 ratings) | 4.8 (2.4K ratings) — better |
| Positive reviews | 37.5% of reviews | 89.4% of reviews — better |
| Number of ratings | 153 | 2.4K — better |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 105 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | SiliconTrance, LLC | Ivan Pavlov Pty Ltd |
Customer experience
ClearCheckbook
Debit & Credit
User reviews
ClearCheckbook
From 153 App Store ratingsWhat we love
- 👍 Simple and clean interface
- 💰 Free version available with core features
- 🔄 Syncs seamlessly across web and mobile devices
- 📱 Available on both iOS and Android
- ⚡ Responsive and helpful customer support
Room to improve
- 🐛 Frequent syncing issues between devices
- 🐛 Duplicate transaction entries
- 🐛 Balance calculations incorrect or not updating
- 🐛 App crashes and freezes regularly
- 😕 Unintuitive interface in some areas
Debit & Credit
From 2.4K App Store ratingsWhat we love
- 🚀 Great app
- 👍 Simple and easy to use
- 🔒 Secure and private
- 💻 Seamless sync between devices
- 📊 Excellent budgeting and reporting features
Room to improve
- 🐛 Occasional bugs and glitches
- 💰 Subscription model may be costly for some
- 🔍 Limited customization options
- 📅 Lack of advanced scheduling and forecasting
Bugs and requests
ClearCheckbook
Reported bugs
14 issues- Transactions fail to sync between devices
- Duplicate entries appearing in register
- Balance not updating after adding transactions
- App crashes when adding transactions
- Spinning loading wheel that never stops
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- Transactions randomly assigned to wrong accounts
- Decimal point input not functioning properly
- Missing transactions from months ago
- Reconciliation checkmark color change too subtle
- Categories not displaying on smaller screens
- Auto-sync not working, requires manual refresh
- Data disappearing from accounts
- App incompatibility with older iOS versions
- Account creation causing app crashes
Requested features
12 requests- Dark mode option
- Receipt photo attachment capability
- Envelope budgeting gadget on mobile app
- Auto-complete for payee descriptions
- Better category management and easier category addition
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- Note section for transactions
- Larger UI sections on web version
- Automatic bank account linking and sync
- Split screen compatibility for reconciliation
- Better reconciliation visual indicators (green highlighting)
- Improved search by date range
- Balance information display on transactions page
Debit & Credit
Reported bugs
3 issues- Duplication of transactions
- Syncing issues between devices
- Incorrect account balances
Requested features
4 requests- Ability to track cryptocurrency transactions
- Option to view uncleared and cleared balances separately
- More detailed budget and spending visualizations
- Improved shared account management
In-app purchases
ClearCheckbook
- Mobile Premium Upgrade$4.99
Debit & Credit
- Premium Version$19.991 Year
- Premium Version1 Year trial$19.991 Year
- Premium Version7 Days trial$19.991 Year
Questions
Is ClearCheckbook free?
Is Debit & Credit free?
Which has better reviews, ClearCheckbook or Debit & Credit?
Do ClearCheckbook or Debit & Credit have ads?
Which is updated more often, ClearCheckbook or Debit & Credit?
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