# Debt Note vs Card Smart

The clearest difference is in-app purchases: Card Smart at none against Debt Note's 3. Card Smart also leads on update cadence (every 5 months vs every 15 months) and iOS requirement (15.0 vs 17.0). Debt Note's advantage is ads (none vs shown). On price and device support there is nothing between them.

Both are free to download. Debt Note sells 3 in-app purchases, starting at $2.99 per 3 months. Card Smart asks for nothing beyond the download.

Debt Note ships an update every 15 months, Card Smart every 5 months. The most recent releases landed on October 5, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | Debt Note | Card Smart |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 15 months | **Every 5 months** |
| Monetization | Freemium | — |
| Size | 1 MB | 27 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Oleksandr Shtykhno](https://appshunter.io/developer/1688053237) | [Ruben Carrascal](https://appshunter.io/developer/1785530519) |

## What reviewers say

### Debt Note

[App page](https://appshunter.io/ios/app/debt-note/id6449201046)

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.

**Highlights:** Track debt notes, Manage financial obligations, Record lent and borrowed funds, User-friendly interface, iOS compatible

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| All access - Quarterly renewal | $2.99 | per 3 months |
| All Access | $9.99 | per year |
| All access - Annual renewal | $9.99 | per year |


### Card Smart

[App page](https://appshunter.io/ios/app/card-smart/id6753664807)

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Note free?

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

### Is Card Smart free?

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

### Do Debt Note or Card Smart have ads?

Card Smart shows ads; Debt Note does not.

### Which is updated more often, Debt Note or Card Smart?

Debt Note ships an update every 15 months, and Card Smart every 5 months. Most recently, Debt Note was updated on October 5, 2026 and Card Smart on October 1, 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.*