Debt Tracker Master vs SyncOwe
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Tracker Master
This app helps you manage personal debts by recording balances, due dates, and repayment progress. It offers a dashboard for an overview, payment planning tools, and customizable reminders to avoid missed payments. Additionally, it provides learning resources on personal finance and debt management.
- Debt recording and organization
- Repayment progress tracking
- Payment planning outlook
- Customizable payment reminders
- Personal finance learning resources
- Debt reduction reports
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Debt Tracker Master is a payoff tracker for credit cards, auto loans, student loans, and mortgages you already have. It does not lend money, check your credit, or offer loans. See every balance, the next due date, and principal versus interest for the next 6 months. Record a payment when you make it, set a reminder before the due date, and watch the balance come down. What you can track - Total balance, payoff countdown, overdue items, and upcoming payments on one dashboard - Each debt: lender, interest rate, start date, due date, and repayment method - Credit cards, installment loans, mortgages, and lines of credit - A 6-month view of principal and interest - Reminders on the due date, 1 day before, or 2 days before - Home Screen widgets for the next payment - Short lessons on loan terms, including how snowball and avalanche payoff methods work Free to record and plan. Debt Tracker Pro removes ads and adds iCloud sync. Debt Tracker Master does not provide loans, credit, or financial advice. It is your own record of what you owe and how you plan to repay it. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://d.bapps.uk/privacy-policy.html
SyncOwe
Easily track shared expenses and debts among friends during trips or shared living situations. The app simplifies complex IOUs into clear reimbursements, ensuring everyone knows who owes whom and when payments are settled.
- Create group trips
- Add and track transactions
- Simplify IOUs
- Submit and confirm reimbursements
- Track who owes whom
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SyncOwe allows you to Sync who Owes who when going on trips, or living together. Simply create a Trip with all of your friends, add Transactions as you pay for items for each other and SyncOwe will simplify them down to who owes who in the end. Then submit Reimbursements to let each other know you've paid them. Once the recipient confirms they've received the money, you're done!
Screenshots
Verdict
The clearest difference is review sentiment: SyncOwe at 100% against Debt Tracker Master's 0%. SyncOwe also leads on rating (5.0 vs 3.7) and in-app purchases (none vs 4). Debt Tracker Master's advantage is update cadence (every 3 days vs every 5 weeks) and ratings volume (3 vs 1). 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
Both are free to download. Debt Tracker Master sells 4 in-app purchases, starting at $3.99 per month. SyncOwe asks for nothing beyond the download.
SyncOwe holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 1 respectively. Written reviews point the same way: 0% of Debt Tracker Master's written reviews are positive against 100% of SyncOwe's.
Debt Tracker Master ships an update every 3 days, SyncOwe every 5 weeks. The most recent releases landed on October 9, 2026 and October 3, 2026 respectively.
| Parameter | Debt Tracker Master | SyncOwe |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 3 — better | 1 |
| Update frequency | Every 3 days — better | Every 5 weeks |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 15.6 — better |
| Further details — not scored | ||
| Size | 50 MB | 38 MB |
| Age rating | 4+ | 4+ |
| Developer | 娜 杨 | Jeremy Dean |
Customer experience
Debt Tracker Master
SyncOwe
In-app purchases
Debt Tracker Master
- DebtTracker Pro Monthly$3.991 Month
- DebtTracker Pro Yearly3 Days trial$17.991 Year
- Remove Ads$3.99
- DebtTracker Pro Lifetime$39.99
SyncOwe
No in-app purchases









