# ClearCheckbook vs Debit & Credit

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.

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. The most recent releases landed on October 26, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | ClearCheckbook | Debit & Credit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (153 ratings)](https://appshunter.io/ios/app/clearcheckbook/id378755274/reviews) | **[4.8 (2.4K ratings)](https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews)** |
| Number of ratings | 153 | **2.4K** |
| Positive reviews | 37.5% of reviews | **89.4% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 105 MB | 30 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [SiliconTrance, LLC](https://appshunter.io/developer/378755277) | [Ivan Pavlov Pty Ltd](https://appshunter.io/developer/375311513) |

## What reviewers say

### ClearCheckbook

[App page](https://appshunter.io/ios/app/clearcheckbook/id378755274)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Mobile Premium Upgrade | $4.99 | one-time |

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 Frequent syncing issues between devices
- 🐛 Duplicate transaction entries
- 🐛 Balance calculations incorrect or not updating
- 🐛 App crashes and freezes regularly
- 😕 Unintuitive interface in some areas

**Reported bugs**

- 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

**Requested features**

- 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


### Debit & Credit

[App page](https://appshunter.io/ios/app/debit-and-credit/id882637543)

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:** Family Sharing, Siri integration, Apple Watch app

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |

**What reviewers like**

- 🚀 Great app
- 👍 Simple and easy to use
- 🔒 Secure and private
- 💻 Seamless sync between devices
- 📊 Excellent budgeting and reporting features

**What reviewers complain about**

- 🐛 Occasional bugs and glitches
- 💰 Subscription model may be costly for some
- 🔍 Limited customization options
- 📅 Lack of advanced scheduling and forecasting

**Reported bugs**

- Duplication of transactions
- Syncing issues between devices
- Incorrect account balances

**Requested features**

- Ability to track cryptocurrency transactions
- Option to view uncleared and cleared balances separately
- More detailed budget and spending visualizations
- Improved shared account management


## Frequently asked 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 29, 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.*