debtMe vs Divvy by MGCF1
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Track transactions with friends
- Record debts owed
- Record money lent
- Easy transaction history
- Clear financial records
Read full descriptionHide full description
Track your transactions with friends and family, keep an easy record of what you debt and own
Divvy by MGCF1
Easily split expenses with friends and family without needing accounts or downloads for others. It's designed for quick, intuitive use, allowing you to add purchases and settle up using your preferred payment apps.
- Real-time balance updates
- Split purchases evenly or by item
- No account or downloads required
- Supports Venmo, Cash App, Apple Pay, and cash
- Ad-free and subscription-free
Read full descriptionHide full description
Divvy was built because nothing quite right existed. Every other way to split a bill pulls you out of what you're actually doing together to go deal with the money. Divvy is built to do the opposite: get you back to the dinner, the trip, the night out, as fast as possible. It's built to be easy and friendly, fast enough that you actually use it, and intuitive enough that it really just works. No account. No downloads for anyone else. No ads, no subscriptions, no upsells, ever. Divvy exists for you. Add purchases in seconds: split them evenly, choose exactly who bought what, or describe it out loud. Balances update in real time as things get added, so no one's chasing anyone after a single purchase. Settle up whenever it makes sense, with whatever payment apps you already use: Venmo, Cash App, Apple Pay, or even cash. Divvy. Free. Beautifully simple. The way to split.
Screenshots
Verdict
The clearest difference is monetization model: Divvy by MGCF1 at free against debtMe's paid. Divvy by MGCF1 also leads on update cadence (every 4 days vs every 4 months) and ratings volume (8 vs 2). debtMe's advantage is device support (4 vs 1) and iOS requirement (17.0 vs 26.0). On price, rating, review sentiment and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for debtMe against 5.0 for Divvy by MGCF1. Both are backed by a comparable volume of ratings — 2 and 8 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
debtMe ships an update every 4 months, Divvy by MGCF1 every 4 days. Both last shipped on October 24, 2026.
| Parameter | debtMe | Divvy by MGCF1 |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) | 5.0 (8 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 2 | 8 — better |
| Update frequency | Every 4 months | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Free — better |
| Devices | iPhone, iPad, Mac, Vision Pro — better | iPhone |
| Requires iOS | 17.0 — better | 26.0 |
| Further details — not scored | ||
| Size | 25 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | Francisco Landero | Milo Cassarino |
Customer experience
debtMe
Divvy by MGCF1
In-app purchases
debtMe
No in-app purchases
Divvy by MGCF1
No in-app purchases
