Debt Note vs PayNote
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Note
Easily track and manage all your financial obligations, whether you're lending or borrowing. This iOS app helps you keep a clear record of debts to friends, family, or colleagues, ensuring no amount is forgotten.
- Track debt notes
- Manage financial obligations
- Record lent and borrowed funds
- User-friendly interface
- iOS compatible
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DebtNote is a powerful and user-friendly iOS app designed to help you keep track of your debt notes and manage your financial obligations with confidence. Whether you are lending money to friends, family, or colleagues, or you are on the receiving end of borrowed funds, DebtNote ensures that you never lose sight of your debts.
PayNote
Easily track money you've borrowed or lent to others. Record transaction details, set repayment dates, and add memos for clarity. The intuitive design makes managing your finances simple.
- Manage borrowed and lent money
- Record transaction details
- Set repayment deadlines
- Distinguish transaction status
- Add memos for details
- Intuitive and user-friendly design
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Smart Money Management App, PayNote - Easily manage borrowed and lent money. - Record transaction details and set repayment deadlines. - Distinguish between completed and pending transactions at a glance. - Add simple memos to keep track of important transaction details. - With an intuitive design and user-friendly UI, anyone can use it effortlessly.
Screenshots
Verdict
The clearest difference is in-app purchases: PayNote at none against Debt Note's 3. PayNote also leads on update cadence (every 5 months vs every 15 months). On price, review sentiment, ads and device support 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. Debt Note sells 3 in-app purchases, starting at $2.99 per 3 months. PayNote asks for nothing beyond the download.
Debt Note ships an update every 15 months, PayNote every 5 months. The most recent releases landed on October 5, 2026 and October 4, 2026 respectively.
| Parameter | Debt Note | PayNote |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Update frequency | Every 15 months | Every 5 months — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 17.0 | 16.6 — better |
| Further details — not scored | ||
| Size | 1 MB | 35 MB |
| Age rating | 4+ | 4+ |
| Developer | Oleksandr Shtykhno | SeungSeop Lim |
Customer experience
Debt Note
PayNote
In-app purchases
Debt Note
- All access - Quarterly renewal1 Month trial$2.993 Months
- All Access1 Month trial$9.991 Year
- All access - Annual renewal2 Months trial$9.991 Year
PayNote
No in-app purchases
