# debtMe vs Divvy by MGCF1

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.

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.

## The numbers

| Metric | debtMe | Divvy by MGCF1 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/debtme/id6448072205/reviews) | [5.0 (8 ratings)](https://appshunter.io/ios/app/divvy-by-mgcf1/id6754469371/reviews) |
| Number of ratings | 2 | **8** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 4 days** |
| Monetization | Paid | **Free** |
| Size | 25 MB | 20 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | **iPhone, iPad, Mac, Vision Pro** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Francisco Landero](https://appshunter.io/developer/1513271476) | [Milo Cassarino](https://appshunter.io/developer/1524086648) |

## What reviewers say

### debtMe

[App page](https://appshunter.io/ios/app/debtme/id6448072205)

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

**In-app purchases:** none


### Divvy by MGCF1

[App page](https://appshunter.io/ios/app/divvy-by-mgcf1/id6754469371)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is debtMe free?

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

### Is Divvy by MGCF1 free?

Divvy by MGCF1 is free to download, with no in-app purchases.

### Which has better reviews, debtMe or Divvy by MGCF1?

debtMe and Divvy by MGCF1 are both rated 5.0 out of 5 on the App Store, from 2 and 8 ratings respectively.

### Do debtMe or Divvy by MGCF1 have ads?

Neither debtMe nor Divvy by MGCF1 shows ads.

### Which is updated more often, debtMe or Divvy by MGCF1?

debtMe ships an update every 4 months, and Divvy by MGCF1 every 4 days. Most recently, debtMe was updated on October 24, 2026 and Divvy by MGCF1 on October 24, 2026.

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