Comparison

debtMe vs Pay Day

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

debtMe

Easily track money owed and lent between friends and family. Maintain a clear record of all transactions to avoid confusion and ensure fair repayment.

Highlights
  • Track transactions with friends
  • Record debts owed
  • Record money lent
  • Easy transaction history
  • Clear financial records
Read full description

Track your transactions with friends and family, keep an easy record of what you debt and own

About

Pay Day

Features
Read full description

Stop worrying about missed bills and late fees. PayDay is your personal payment manager that helps you track, organize, and never forget important payments. Whether it's rent, subscriptions, utilities, or any recurring bill, PayDay keeps you on top of everything. **KEY FEATURES** **Smart Payment Tracking** • Add unlimited payments with custom titles, amounts, and due dates • Visual status indicators (red, orange, green) show urgency at a glance • Mark payments as paid with a single tap • Track both paid and unpaid payments monthly **Beautiful Progress Dashboard** • Circular gauge shows your monthly payment completion • See total, paid, and remaining amounts instantly • Celebrate with confetti when you complete all payments! • Monthly summaries keep you informed **Intelligent Reminders** • Automatic notifications 3 days before, 1 day before, and on due date • Custom reminder support for specific dates • Never miss a payment deadline again • All notifications work locally - no internet required **Powerful Search & Filter** • Quick search across all payments • Filter by "All", "This Month", or "Overdue" • Search suggestions make finding payments easy • Show/hide paid payments instantly **Home Screen Widgets** • See upcoming payments without opening the app • Multiple widget sizes available • Progress tracking widget shows monthly completion • Glanceable payment information **Privacy First** • All data stored locally on your device • No account required - start using immediately • No cloud sync means your financial data stays private • No analytics or tracking **Fully Localized** • Available in English and Spanish (LATAM) • Currency formatting based on your region • Accessibility support with VoiceOver • Dark mode support **PERFECT FOR** • Tracking monthly subscriptions (Netflix, Spotify, etc.) • Managing recurring bills (rent, utilities, insurance) • Remembering loan and credit card payments • Organizing business expenses • Students managing payments • Anyone who wants better financial awareness **YOUR FINANCIAL PEACE OF MIND** With PayDay, you'll always know: What payments are coming up How much you owe this month Which bills you've already paid When your next payment is due Download PayDay today and never worry about missed payments again. It's free, private, and designed to make your life easier.

Screenshots

debtMe3 screens
Pay Day3 screens

Verdict

The call

The clearest difference is in-app purchases: debtMe at none against Pay Day's 1. debtMe also leads on ads (none vs shown). Pay Day's advantage is update cadence (every 2 weeks vs every 4 months). On price, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Pay Day sells 1 one-off in-app purchase. debtMe asks for nothing beyond the download.

UpkeepUpdate frequency

debtMe ships an update every 4 months, Pay Day every 2 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
debtMe versus Pay Day: the parameters behind the verdict, then further details
ParameterdebtMePay Day
PriceFreeFree
Rating5.0 (2 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings2 — better—
Update frequencyEvery 4 monthsEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationPaid—
DevicesiPhone, iPad, Mac, Vision Pro — betteriPhone, iPad, Apple Watch
Requires iOS17.0 — better18.2
Further details — not scored
Size25 MB7 MB
Age rating4+4+
DeveloperFrancisco LanderoATOM TECH SAS DE CV

In-app purchases

None

debtMe

No in-app purchases

1 purchases

Pay Day

One-time1
  • Remove Ads Forever$3.99

Questions

Is debtMe free?
debtMe is free to download, with no in-app purchases.
Is Pay Day free?
Pay Day is free to download, with in-app purchases available.
Do debtMe or Pay Day have ads?
Pay Day shows ads; debtMe does not.
Which is updated more often, debtMe or Pay Day?
debtMe ships an update every 4 months, and Pay Day every 2 weeks. Most recently, debtMe was updated on October 24, 2026 and Pay Day on October 25, 2026.

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