Comparison

Debt Manager vs Debt Tracker

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

Head to head
About

Debt Manager

This app helps users pay off their debts faster and more efficiently. It utilizes the Debt Snowball method and offers various strategies, tracking tools, and 'what-if' scenarios to visualize progress and savings.

Highlights
  • Debt Snowball method
  • Multiple payoff strategies
  • Progress tracking and summary
  • Unlimited debt entry
  • 'What-If' scenario planning
  • Exportable reports and schedules
  • Interactive visualizations
Currently charting
Read full description

*** No. 1 Ranked Finance App in the US & UK *** 'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST! 5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job" 5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!" 5-Stars - "This app is three things: Simple. Effective. Spot On." 5-Stars - "The details, features and thought that went into creating this app are endless." 5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across." Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts. You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now! *** Features *** -------------------- √ Simple and intuitive user interface - helps you see results quickly and clearly √ Hints and tips - don't worry, we will guide you through the process √ Summary shows your payoff progress - includes progress bar, your debt free date and your interest/time savings √ Choose from multiple pay off Strategies - Lowest Balance First - Highest Interest First - Highest Balance First - Custom Order √ An unlimited number of debts can be entered - each debt can be individually analysed - payments may be entered as a percentage of balance - support for introductory rates e.g. 0% for 6 months √ Monthly Payments may be recorded - either automatic or manual recording - allows you to keep track of your progress √ Backup & Restore - use popular Dropbox service for online storage - keep your data safe - manually sync between devices √ Choice of payment periods - handles monthly, weekly and fortnightly payments √ Extra Payments can be entered against each debt - helps pay off your debts even faster - can be entered Monthly, Yearly or as a One Off √ Transactions can be entered against each debt - allows you to take into account expenses/purchases - can be entered Monthly, Yearly or as a One Off - will increase the debt balance √ Try out various 'What-If' scenarios e.g. - a change in interest rate - increased monthly payments √ Export the debt details via Email - professionally formatted PDF or HTML - export individual debts or overall summary - includes full amortization schedules - charts are attached to the email export √ Interactive reports - easy visualisation of the debt breakdown - compare debts side by side - press, hold and slide to see the costs per month - pinch to zoom √ Set of Calculators are included to help you compute: - monthly payments - extra payments - payoff date - refinance benefits √ Notification of payments due - so you never forget to record a payment √ Passcode protection - keep your data safe √ Full manual is embedded within the app - has all the info you will ever need

About

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.

Highlights
  • 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
Features
Read full description

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

Debt Manager4 screens
Debt Tracker3 screens

Verdict

The call

The clearest difference is price: Debt Tracker at Free against Debt Manager's $0.99. Debt Manager's advantage is rating (4.6 vs 1.0) and review sentiment (85% vs 50%). On update cadence 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

Debt Tracker is free to download; Debt Manager costs $0.99 up front. Debt Tracker sells 1 one-off in-app purchase. Debt Manager asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Debt Manager holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: Debt Manager has 554 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 85% of Debt Manager's written reviews are positive against 50% of Debt Tracker's.

UpkeepUpdate frequency

Debt Manager ships an update every 6 weeks, Debt Tracker monthly. The most recent releases landed on September 22, 2026 and September 21, 2026 respectively.

Scorecard10 real differences · 1 level
Debt Manager versus Debt Tracker: the parameters behind the verdict, then further details
ParameterDebt ManagerDebt Tracker
Price$0.99Free — better
Rating4.6 (554 ratings) — better1.0 (1 ratings)
Positive reviews85.5% of reviews — better50.0% of reviews
Number of ratings554 — better1
Update frequencyEvery 6 weeksMonthly — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationPaidFree with in-app purchases — better
Best chart rank#130 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.5 — better17.6
Further details — not scored
Size34 MB6 MB
Age rating4+4+
DeveloperMH Riley LtdPaul Fraser

Customer experience

Debt Manager

All ratings554 ratings
Positive89.7%
Neutral5.1%
Negative5.2%
Written reviews220 reviews
Positive85.5%
Neutral6.4%
Negative8.2%

Debt Tracker

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

Debt Manager

Reported bugs

3 issues
  • Calendar and date issues causing problems
  • Minimum payment restrictions that don't work as expected
  • Debt balances not updating correctly after payments

Requested features

4 requests
  • Ability to add debt start dates
  • Monthly payment summary view
  • Profiles to manage multiple people's debt
  • More customization options for layout and visuals

Debt Tracker

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Debt Manager

No in-app purchases

1 purchases

Debt Tracker

One-time1
  • Balance Due Pro$6.99

Questions

Is Debt Manager free?
Debt Manager costs $0.99, with no in-app purchases.
Is Debt Tracker free?
Debt Tracker is free to download, with in-app purchases available.
Which has better reviews, Debt Manager or Debt Tracker?
Debt Manager is rated higher. Debt Manager averages 4.6 out of 5 from 554 ratings, while Debt Tracker averages 1.0 from 1 ratings.
Do Debt Manager or Debt Tracker have ads?
Debt Tracker shows ads; Debt Manager does not.
Which is updated more often, Debt Manager or Debt Tracker?
Debt Manager ships an update every 6 weeks, and Debt Tracker monthly. Most recently, Debt Manager was updated on September 22, 2026 and Debt Tracker on September 21, 2026.

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