Comparison

ClearCheckbook vs Debit & Credit

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • All accounts in one app
  • Apple Card integration
  • Fast transaction entry
  • Budgets and scheduled transactions
  • Financial planning
  • Detailed reports
  • iCloud sync
  • Shared accounts
Features
Read full description

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

ClearCheckbook4 screens
Debit & Credit4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

ClearCheckbook ships an update fortnightly, Debit & Credit every 3 weeks. Both last shipped on October 26, 2026.

Scorecard4 real differences · 6 level
ClearCheckbook versus Debit & Credit: the parameters behind the verdict, then further details
ParameterClearCheckbookDebit & Credit
PriceFreeFree
Rating3.1 (153 ratings)4.8 (2.4K ratings) — better
Positive reviews37.5% of reviews89.4% of reviews — better
Number of ratings1532.4K — better
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod, Apple Watch — better
Requires iOS16.015.0 — better
Further details — not scored
Size105 MB30 MB
Age rating4+4+
DeveloperSiliconTrance, LLCIvan Pavlov Pty Ltd

Customer experience

ClearCheckbook

All ratings153 ratings
Positive45.8%
Neutral11.1%
Negative43.1%
Written reviews96 reviews
Positive37.5%
Neutral15.6%
Negative46.9%

Debit & Credit

All ratings2,405 ratings
Positive95.4%
Neutral2.7%
Negative1.9%
Written reviews396 reviews
Positive89.4%
Neutral5.8%
Negative4.8%

User reviews

ClearCheckbook

From 153 App Store ratings

What 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 ratings

What 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
Show 9 more
  • 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
Show 7 more
  • 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

1 purchases

ClearCheckbook

One-time1
  • Mobile Premium Upgrade$4.99
3 purchases

Debit & Credit

Subscriptions3
  • Premium Version$19.991 Year
  • Premium Version1 Year trial$19.991 Year
  • Premium Version7 Days trial$19.991 Year

Questions

Is ClearCheckbook free?
ClearCheckbook is free to download, with in-app purchases available.
Is Debit & Credit free?
Debit & Credit is free to download, with in-app purchases available.
Which has better reviews, ClearCheckbook or Debit & Credit?
Debit & Credit is rated higher. ClearCheckbook averages 3.1 out of 5 from 153 ratings, while Debit & Credit averages 4.8 from 2.4K ratings.
Do ClearCheckbook or Debit & Credit have ads?
Neither ClearCheckbook nor Debit & Credit shows ads.
Which is updated more often, ClearCheckbook or Debit & Credit?
ClearCheckbook ships an update fortnightly, and Debit & Credit every 3 weeks. Most recently, ClearCheckbook was updated on October 26, 2026 and Debit & Credit on October 26, 2026.

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