# Smartmex vs My Debt Manager & Tracker

The clearest difference is in-app purchases: Smartmex at none against My Debt Manager & Tracker's 4. Smartmex also leads on ads (none vs shown) and iOS requirement (12.0 vs 15.6). My Debt Manager & Tracker's advantage is update cadence (every 3 weeks vs every 2 months). On price and device support there is nothing between them.

Both are free to download. My Debt Manager & Tracker sells 4 one-off in-app purchases. Smartmex asks for nothing beyond the download.

Smartmex ships an update every 2 months, My Debt Manager & Tracker every 3 weeks. The most recent releases landed on September 28, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Smartmex | My Debt Manager & Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (7 ratings)](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466/reviews)** |
| Number of ratings | — | **7** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | — | Free with in-app purchases |
| Size | 17 MB | 128 MB |
| Requires iOS | **12.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Samuel Becerril](https://appshunter.io/developer/1636797981) | [GHAZALI KABIRU](https://appshunter.io/developer/1656605038) |

## What reviewers say

### Smartmex

[App page](https://appshunter.io/ios/app/smartmex/id6443960186)

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

**In-app purchases:** none


### My Debt Manager & Tracker

[App page](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466)

Easily track and manage all your debts and loans in one place. This app simplifies due dates, payments, and balances with intuitive color coding and automatic data backup. It supports multiple currencies, recurring payments, and offers AI-driven insights to help reduce debt stress.

**Highlights:** Track debts and loans, Recurring payment management, AI debt stress reduction, Multi-currency support, Automatic data backup, Payment proof uploads, Reminder notifications

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 month subscription | $0.99 | one-time |
| 3 months subscription | $2.99 | one-time |
| 1 year subscription | $4.99 | one-time |
| 6 months subscription | $5.99 | one-time |


## Frequently asked questions

### Is Smartmex free?

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

### Is My Debt Manager & Tracker free?

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

### Do Smartmex or My Debt Manager & Tracker have ads?

My Debt Manager & Tracker shows ads; Smartmex does not.

### Which is updated more often, Smartmex or My Debt Manager & Tracker?

Smartmex ships an update every 2 months, and My Debt Manager & Tracker every 3 weeks. Most recently, Smartmex was updated on September 28, 2026 and My Debt Manager & Tracker on October 27, 2026.

---

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