# My Debt Manager & Tracker vs AlmostZero

The clearest difference is ads: AlmostZero at none against My Debt Manager & Tracker's shown. AlmostZero also leads on ratings volume (78 vs 7). My Debt Manager & Tracker's advantage is rating (5.0 vs 4.7) and review sentiment (100% vs 86%). On price, update cadence, in-app purchases and monetization model there is nothing between them.

Both are free to download. My Debt Manager & Tracker sells 4 one-off in-app purchases and AlmostZero sells 13 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

My Debt Manager & Tracker holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: AlmostZero has 78 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 100% of My Debt Manager & Tracker's written reviews are positive against 86% of AlmostZero's.

My Debt Manager & Tracker ships an update every 3 weeks, AlmostZero every 2 weeks. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | My Debt Manager & Tracker | AlmostZero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (7 ratings)](https://appshunter.io/ios/app/my-debt-manager-and-tracker/id6444747466/reviews)** | [4.7 (78 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) |
| Number of ratings | 7 | **78** |
| Positive reviews | **100.0% of reviews** | 85.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 128 MB | 224 MB |
| Requires iOS | **15.6** | 26.2 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [GHAZALI KABIRU](https://appshunter.io/developer/1656605038) | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) |

## What reviewers say

### 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 |


### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

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

**In-app purchases (13)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $0.99 | one-time |
| Tip | $2.99 | one-time |
| Tip | $3.99 | one-time |
| Tip | $5.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


## Frequently asked questions

### Is My Debt Manager & Tracker free?

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

### Is AlmostZero free?

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

### Which has better reviews, My Debt Manager & Tracker or AlmostZero?

My Debt Manager & Tracker is rated higher. My Debt Manager & Tracker averages 5.0 out of 5 from 7 ratings, while AlmostZero averages 4.7 from 78 ratings.

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

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

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

My Debt Manager & Tracker ships an update every 3 weeks, and AlmostZero every 2 weeks. Most recently, My Debt Manager & Tracker was updated on October 27, 2026 and AlmostZero on October 25, 2026.

---

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