# Debt Manager vs Debt Tracker

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.

Debt Tracker is free to download; Debt Manager costs $0.99 up front. Debt Tracker sells 2 in-app purchases, starting at $2.99 per month. 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 559 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 every 4 weeks. The most recent releases landed on November 1, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Debt Manager | Debt Tracker |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | **[4.6 (559 ratings)](https://appshunter.io/ios/app/debt-manager/id482482660/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/debt-tracker-balance-due/id6746118952/reviews) |
| Number of ratings | **559** | 1 |
| Positive reviews | **85.5% of reviews** | 50.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Every 4 weeks** |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | **#28** | — |
| Size | 34 MB | 7 MB |
| Requires iOS | **15.5** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [Paul Fraser](https://appshunter.io/developer/482131297) |

## What reviewers say

### Debt Manager

[App page](https://appshunter.io/ios/app/debt-manager/id482482660)

**Currently charting:** #28 Top Paid · Finance (US App Store)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Helpful for tracking and paying off debt
- 💡 Useful features like snowball and snowflake payments
- 🔒 No subscription required
- 👍 Customizable and flexible

**What reviewers complain about**

- 🐛 Issues with updating balances and interest rates
- 🐛 Backdating changes can cause problems
- 🐛 Difficulty adding new debts or changing payment details
- 🐛 Lack of syncing between devices

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/debt-tracker-balance-due/id6746118952)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Balance Due Pro | $2.99 | per month |
| Balance Due Pro | $19.99 | one-time |


## Frequently asked 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 559 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 every 4 weeks. Most recently, Debt Manager was updated on November 1, 2026 and Debt Tracker on October 28, 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.*