# Balance Guide Lite vs Debt Tracker

The clearest difference is rating: Balance Guide Lite at 4.2 against Debt Tracker's 1.0. Balance Guide Lite also leads on review sentiment (88% vs 50%) and ads (none vs shown). Debt Tracker's advantage is update cadence (every 4 weeks vs every 5 months). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Balance Guide Lite sells 1 one-off in-app purchase and Debt Tracker sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Balance Guide Lite holds the better App Store score, 4.2 against 1.0. That said, the two scores are not equally well evidenced: Balance Guide Lite has 12 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 88% of Balance Guide Lite's written reviews are positive against 50% of Debt Tracker's.

Balance Guide Lite ships an update every 5 months, Debt Tracker every 4 weeks. The most recent releases landed on November 1, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Balance Guide Lite | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (12 ratings)](https://appshunter.io/ios/app/balance-guide-lite/id514090147/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/debt-tracker-balance-due/id6746118952/reviews) |
| Number of ratings | **12** | 1 |
| Positive reviews | **88.2% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Every 4 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 70 MB | 7 MB |
| Requires iOS | **12.0** | 17.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Mindwarp Consultancy Ltd](https://appshunter.io/developer/379259897) | [Paul Fraser](https://appshunter.io/developer/482131297) |

## What reviewers say

### Balance Guide Lite

[App page](https://appshunter.io/ios/app/balance-guide-lite/id514090147)

Easily manage your finances and plan your budget. This app helps you track your account balance, upcoming bills, and spending habits. It offers forecasting for future finances and allows for quick correction of your balance without needing to enter every transaction.

**Highlights:** Dark mode, Recurring transaction setup, Financial forecasting, Pie charts and graphs, Customizable categories, PIN security

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| No Ads, Multiple Accounts + Dropbox backup | $2.99 | one-time |


### 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 Balance Guide Lite free?

Balance Guide Lite is free to download, with in-app purchases available.

### Is Debt Tracker free?

Debt Tracker is free to download, with in-app purchases available.

### Which has better reviews, Balance Guide Lite or Debt Tracker?

Balance Guide Lite is rated higher. Balance Guide Lite averages 4.2 out of 5 from 12 ratings, while Debt Tracker averages 1.0 from 1 ratings.

### Do Balance Guide Lite or Debt Tracker have ads?

Debt Tracker shows ads; Balance Guide Lite does not.

### Which is updated more often, Balance Guide Lite or Debt Tracker?

Balance Guide Lite ships an update every 5 months, and Debt Tracker every 4 weeks. Most recently, Balance Guide Lite was updated on November 1, 2026 and Debt Tracker on November 5, 2026.

---

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