# Spending vs Debit & Credit

The clearest difference is rating: Debit & Credit at 4.8 against Spending's 3.6. Debit & Credit also leads on update cadence (every 3 weeks vs every 18 months) and ratings volume (2.4K vs 7). Spending's advantage is in-app purchases (none vs 3) and iOS requirement (9.0 vs 15.0). On price, review sentiment and ads there is nothing between them.

Both are free to download. Debit & Credit sells 3 in-app purchases, starting at $19.99 per year. Spending asks for nothing beyond the download.

Debit & Credit holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: Debit & Credit has 2.4K ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 88% of Spending's written reviews are positive against 89% of Debit & Credit's.

Spending ships an update every 18 months, Debit & Credit every 3 weeks. The most recent releases landed on October 23, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | Spending | Debit & Credit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (7 ratings)](https://appshunter.io/ios/app/spending/id509905009/reviews) | **[4.8 (2.4K ratings)](https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews)** |
| Number of ratings | 7 | **2.4K** |
| Positive reviews | 87.5% of reviews | **89.4% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 18 months | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | — | **#155** |
| Size | 4 MB | 30 MB |
| Requires iOS | **9.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Steve Harris](https://appshunter.io/developer/509905012) | [Ivan Pavlov Pty Ltd](https://appshunter.io/developer/375311513) |

## What reviewers say

### Spending

[App page](https://appshunter.io/ios/app/spending/id509905009)

Easily track your daily and monthly expenses by category. This app helps you understand where your money goes, focusing on small, frequent purchases that can add up. Visualize your spending with graphs and manage multiple budgets for different needs.

**Highlights:** Track spending by category, View daily, weekly, and monthly expenditure, Spending breakdown graphs, Customizable categories, Multiple budget management, Daily spending limits

**Features:** macOS Compatibility

**In-app purchases:** none


### Debit & Credit

[App page](https://appshunter.io/ios/app/debit-and-credit/id882637543)

**Currently charting:** #155 Top Grossing · Finance (US App Store)

Manage all your finances in one place with this intuitive personal finance app. Track spending, create budgets, and plan for the future with automatic transaction import and detailed reports. Syncs across devices and offers shared account management.

**Highlights:** All accounts in one app, Apple Card integration, Fast transaction entry, Budgets and scheduled transactions, Financial planning, Detailed reports, iCloud sync, Shared accounts

**Features:** Family Sharing, Siri integration, Apple Watch app

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |

**What reviewers like**

- 🚀 Great app
- 👍 Simple and easy to use
- 🔒 Secure and private
- 💻 Seamless sync between devices
- 📊 Excellent budgeting and reporting features

**What reviewers complain about**

- 🐛 Occasional bugs and glitches
- 💰 Subscription model may be costly for some
- 🔍 Limited customization options
- 📅 Lack of advanced scheduling and forecasting

**Reported bugs**

- Duplication of transactions
- Syncing issues between devices
- Incorrect account balances

**Requested features**

- Ability to track cryptocurrency transactions
- Option to view uncleared and cleared balances separately
- More detailed budget and spending visualizations
- Improved shared account management


## Frequently asked questions

### Is Spending free?

Spending is free to download, with no in-app purchases.

### Is Debit & Credit free?

Debit & Credit is free to download, with in-app purchases available.

### Which has better reviews, Spending or Debit & Credit?

Debit & Credit is rated higher. Spending averages 3.6 out of 5 from 7 ratings, while Debit & Credit averages 4.8 from 2.4K ratings.

### Do Spending or Debit & Credit have ads?

Neither Spending nor Debit & Credit shows ads.

### Which is updated more often, Spending or Debit & Credit?

Spending ships an update every 18 months, and Debit & Credit every 3 weeks. Most recently, Spending was updated on October 23, 2026 and Debit & Credit on November 1, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*