Debt Manager vs Debt Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Debt Snowball method
- Multiple payoff strategies
- Progress tracking and summary
- Unlimited debt entry
- 'What-If' scenario planning
- Exportable reports and schedules
- Interactive visualizations
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*** 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
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 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
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.
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.
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.
| Parameter | Debt Manager | Debt Tracker |
|---|---|---|
| Price | $0.99 | Free — better |
| Rating | 4.6 (554 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 85.5% of reviews — better | 50.0% of reviews |
| Number of ratings | 554 — better | 1 |
| Update frequency | Every 6 weeks | Monthly — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Paid | Free with in-app purchases — better |
| Best chart rank | #130 — better | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.5 — better | 17.6 |
| Further details — not scored | ||
| Size | 34 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | MH Riley Ltd | Paul Fraser |
Customer experience
Debt Manager
Debt Tracker
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
Debt Manager
No in-app purchases
Debt Tracker
- Balance Due Pro$6.99
Questions
Is Debt Manager free?
Is Debt Tracker free?
Which has better reviews, Debt Manager or Debt Tracker?
Do Debt Manager or Debt Tracker have ads?
Which is updated more often, Debt Manager or Debt Tracker?
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