Balance Guide vs Debt Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Balance Guide
This app helps you manage your money by tracking expenses, forecasting bills, and visualizing your financial status. It offers features like multiple account management, recurring transactions, and customizable categories to simplify budgeting and financial planning.
- Multiple account management
- Recurring transaction setup
- Visual financial overview
- Customizable expense categories
- PIN security
- Instant balance corrections
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Take Control of Your Finances with Balance Guide! Balance Guide is your go-to money management tool, designed to simplify financial planning and budgeting. Whether you're managing multiple accounts or just trying to get a handle on monthly expenses, our user-friendly app makes it easy to keep track of your finances. Key Features: - Multiple Account Management: Easily transfer funds and view account summaries at a glance. - Recurring Transactions: Set up automatic transactions for accurate financial forecasting. - Visual Financial Overview: Use pie charts and graphs to visualize your budget and financial status. - Backup & Restore: Securely backup and restore your data using Dropbox integration. - Customizable Categories: Create and manage categories like "Utility Bills" to organize your transactions. - Interactive Tutorial & Help Pages: Get started quickly with an introductory walkthrough and detailed help pages for additional support. - PIN Security: Safeguard your financial information with built-in security measures. - Instant Balance Corrections: Adjust your balance on the fly without the need to input each transaction manually. With Balance Guide, you can see where your money is going, plan ahead for upcoming bills, and ultimately save more. Start mastering your finances today!
Debt Tracker
Manage and track multiple debts, including credit cards and loans. Visualize your repayment progress with clear indicators and receive monthly summaries to stay motivated and organized on your journey to becoming debt-free.
- Track multiple debt accounts
- Manage credit cards, loans, and personal borrowing
- Visualize repayment progress with percentage bars
- View paid and remaining balances
- Add monthly payment details and due dates
- Receive simple monthly payment summaries
- Stay motivated with progress-based messages
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Debt Tracker - Balance Due makes paying off debt simple, clear, and motivating - without the clutter of a full budgeting app. Add your credit cards, loans, finance agreements, and any money you owe, then watch your balances fall as you log payments. One clean overview shows it all: how much you owe, how much you've paid, and when you'll be debt-free. See the moment you'll be free. Balance Due projects your debt-free date from your balances and monthly payments - and the Payoff Accelerator shows how paying a little extra each month brings that date forward. KEY FEATURES • Track every debt in one calm overview • Credit cards, loans, finance, overdrafts and personal borrowing • Projected debt-free date - per debt and overall • Payoff Accelerator - see how extra payments speed things up • Balance trend and payment history for each debt • Clear progress bars and motivating status badges • Quick-deduct buttons to log regular payments fast • Beautiful light and dark design • Your local currency, detected automatically Private by design - your data stays on your device. No accounts to create. No bank logins. No complicated budgeting tools - just a focused way to clear what you owe, one payment at a time. Take control of your debt today.
Screenshots
Verdict
The clearest difference is price: Debt Tracker at Free against Balance Guide's $2.99. Balance Guide's advantage is rating (4.5 vs 1.0) and review sentiment (87% vs 50%). On update cadence 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
Debt Tracker is free to download; Balance Guide costs $2.99 up front. Debt Tracker sells 1 one-off in-app purchase. Balance Guide asks for nothing beyond the download.
Balance Guide holds the better App Store score, 4.5 against 1.0. That said, the two scores are not equally well evidenced: Balance Guide has 15 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 87% of Balance Guide's written reviews are positive against 50% of Debt Tracker's.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 20, 2026 and September 21, 2026 respectively.
| Parameter | Balance Guide | Debt Tracker |
|---|---|---|
| Price | $2.99 | Free — better |
| Rating | 4.5 (15 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 86.7% of reviews — better | 50.0% of reviews |
| Number of ratings | 15 — better | 1 |
| Update frequency | Monthly | Monthly |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 12.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 31 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Mindwarp Consultancy Ltd | Paul Fraser |
Customer experience
Balance Guide
Debt Tracker
Bugs and requests
Balance Guide
Reported bugs
40 issues- Balance goes mad since Jan 19
- Change of year blip
- New version won't let correct balance
- Lost half of stuff in new version
- Useless now because it doesn't work
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- Buggy
- Data accuracy issues
- Randomly changes cost amounts
- Similar problem with dates and recurrences
- Forecast pointless if data is wrong
- Bug: date chooser chooses day after selected date
- Only tracks one account
- No update for multiple accounts for over a month
- Forecast graph needs EOD Balance
- End date selector off screen on iPhone 4s
- Future balance graph not zoomable in portrait
- UI should keep all screens vertical
- Downloaded today, and it does not work
- Tap on icon, splash screen appears, and app closes
- When I type in costs like $2312, I go back later and look and it is $2
- Similar problem with dates and recurrances
- When you sent the date it chooses the day after
- For instance you choose July 16 in the date chooser and it automatically shows July 17
- Only tracks one account
- Contacted the developer over a month ago, apparently it's something which is being worked on but no update yet
- Buggy
- When I type in costs like $2312, I go back later and look and it is $2. That only happens some times.
- Similiar problem with dates and recurrances.
- When you sent the date it chooses the day after. For instance you choose July 16 in the date chooser and it automatically shows July 17.
- The forecasts are only based on individual account.
- The new version won't let you correct your balance. And has lost half of my stuff. It's now useless coz it doesn't work.
- Since Jan 19 if I add or change a payment the balance goes mad. Into the minus by several thousand pounds. There seems to be a change of year blip!!!!!
- The Forecast Graph needs to report on the EOD Balance (days income-outgoing) instead of the Start Balance.
- On iPhone 4s the end date selector is off screen so very difficult to set. Future balance graph - would be better if zoom able without having to scroll and not just in landscape.
- Downloaded this today, and it does not work. I tap on the icon, the splash screen appears, and the app closes.
- Paid for this on the back of great reviews and then realised it only tracks one account, so if you have a current account and a credit card you'll only be able to track one of them. Contacted the developer over a month ago, apparently it's something which is being worked on but no update yet.
- When I type in costs like $2312, I go back later and look and it is $2. That only happens some times. I can't trust any of the costs. Similiar problem with dates and recurrances.
- When you sent the date it chooses the day after. For instance you choose July 16 in the date chooser and it automatically shows July 17.
- The forecasts are only based on individual account. That is useless.
- The new version won't let you correct your balance. And has lost half of my stuff. It's now useless coz it doesn't work.
Requested features
70 requests- Forecast graph to report on EOD Balance instead of Start Balance
- Confidentiality statement for support requests
- Option to change payments based on budget/wages
- Ability to list all months events, not just from today
- Notification before planned transaction is overdue
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- Option for part payment (split)
- Semi-monthly recurrence option
- Import transactions via CSV
- Summary list of accounts with balances
- Sync between installs for multiple devices
- Zoomable future balance graph in portrait mode
- Manually change transaction amounts in forecasting
- Way to clear out what has and has not been paid yet
- Default setting for future forecast to be today's date
- Keep all screens vertical in UI
- Option to change 'only this transaction' or 'change all future transactions'
- Multi-currency support
- Alarm for direct debits
- Statistics on absolute values by category of spend instead of percentages
- Ability to import data
- Bimonthly option for income and expenses
- Sync feature for multiple users (e.g., husband and wife)
- Dark mode option
- Advanced analytics dashboard
- Ability to enter transactions manually instead of automatically
- Allow changing amount if different without changing original amount
- Switch between accounts on any page
- Social media integration (though one user is unsure of its use)
- More user-friendly interface
- Adjustments for months with 5 weeks
- Ability to correct balance
- Fix for lost data in new version
- Fix for forecasts only based on individual account
- Fix for date chooser selecting the day after
- Support for multiple accounts
- Update for multiple accounts
- Ability to import
- Bimonthly option
- Sync between installs
- Forecast graph needs EOD Balance
- Confidentiality statement for support
- Change payments based on budget/wages
- List all months events
- Notification before planned transaction overdue
- Part payment option
- Semi-monthly recurrence
- CSV import
- Summary list of accounts
- Sync between installs
- Zoomable graph in portrait
- Manual transaction changes
- Clear paid/unpaid transactions
- Default forecast date to today
- Vertical UI
- Change reoccurring transactions
- Multi-currency
- Direct debit alarms
- Statistics by category
- Import data
- Bimonthly option
- Sync for multiple users
- Ability to correct balance
- Fix for lost data
- Fix for individual account forecasts
- Fix for date chooser bug
- Support for multiple accounts
- Update for multiple accounts
- Ability to import
- Bimonthly option
- Sync between installs
Debt Tracker
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Balance Guide
No in-app purchases
Debt Tracker
- Balance Due Pro$6.99
Questions
Is Balance Guide free?
Is Debt Tracker free?
Which has better reviews, Balance Guide or Debt Tracker?
Do Balance Guide or Debt Tracker have ads?
Which is updated more often, Balance Guide or Debt Tracker?
Other comparisons
