# Debt Manager vs Forge

The clearest difference is update cadence: Forge at every 4 days against Debt Manager's every 6 weeks. Forge also leads on rating (5.0 vs 4.6) and review sentiment (100% vs 85%). Debt Manager's advantage is ratings volume (559 vs 3) and chart position (#34 vs unranked). On ads, in-app purchases, monetization model and device support there is nothing between them.

Debt Manager costs $0.99 and Forge $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Forge holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Debt Manager has 559 ratings behind it against 3, 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 100% of Forge's.

Debt Manager ships an update every 6 weeks, Forge every 4 days. The most recent releases landed on October 30, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | Debt Manager | Forge |
| --- | --- | --- |
| Price | **$0.99** | $1.99 |
| Rating | [4.6 (559 ratings)](https://appshunter.io/ios/app/debt-manager/id482482660/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/forge-personal-finance/id6760410920/reviews)** |
| Number of ratings | **559** | 3 |
| Positive reviews | 85.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 4 days** |
| Monetization | Paid | Paid |
| Best chart rank | **#34** | — |
| Size | 34 MB | 4 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [Adam Groesbeck](https://appshunter.io/developer/1884327855) |

## What reviewers say

### Debt Manager

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

**Currently charting:** #34 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


### Forge

[App page](https://appshunter.io/ios/app/forge-personal-finance/id6760410920)

This app provides honest financial tools to help you build your future. It's built around the 7 Baby Step framework, offering features like smart budgeting, debt payoff tracking, and net worth projection without ads or subscriptions.

**Highlights:** 7 Baby Step framework integration, Smart budgeting (zero-based, 50/30/20), Debt payoff tracking with projected dates, Net worth tracker with long-term projections, Offline financial calculators, Savings goal setting and tracking, Personalized financial recommendations

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Debt Manager free?

Debt Manager costs $0.99, with no in-app purchases.

### Is Forge free?

Forge costs $1.99, with no in-app purchases.

### Which has better reviews, Debt Manager or Forge?

Forge is rated higher. Debt Manager averages 4.6 out of 5 from 559 ratings, while Forge averages 5.0 from 3 ratings.

### Do Debt Manager or Forge have ads?

Neither Debt Manager nor Forge shows ads.

### Which is updated more often, Debt Manager or Forge?

Debt Manager ships an update every 6 weeks, and Forge every 4 days. Most recently, Debt Manager was updated on October 30, 2026 and Forge on October 22, 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.*