Comparison

Debt Tracker Master vs SyncOwe

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Debt recording and organization
  • Repayment progress tracking
  • Payment planning outlook
  • Customizable payment reminders
  • Personal finance learning resources
  • Debt reduction reports
Features
Read full description

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

About

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.

Highlights
  • Create group trips
  • Add and track transactions
  • Simplify IOUs
  • Submit and confirm reimbursements
  • Track who owes whom
Features
Read full description

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

Debt Tracker Master4 screens
SyncOwe3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard7 real differences · 3 level
Debt Tracker Master versus SyncOwe: the parameters behind the verdict, then further details
ParameterDebt Tracker MasterSyncOwe
PriceFreeFree
Rating3.7 (3 ratings)5.0 (1 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings3 — better1
Update frequencyEvery 3 days — betterEvery 5 weeks
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.615.6 — better
Further details — not scored
Size50 MB38 MB
Age rating4+4+
Developer娜 杨Jeremy Dean

Customer experience

Debt Tracker Master

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

SyncOwe

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

4 purchases

Debt Tracker Master

Subscriptions2
  • DebtTracker Pro Monthly$3.991 Month
  • DebtTracker Pro Yearly3 Days trial$17.991 Year
One-time2
  • Remove Ads$3.99
  • DebtTracker Pro Lifetime$39.99
None

SyncOwe

No in-app purchases

Questions

Is Debt Tracker Master free?
Debt Tracker Master is free to download, with in-app purchases available.
Is SyncOwe free?
SyncOwe is free to download, with no in-app purchases.
Which has better reviews, Debt Tracker Master or SyncOwe?
SyncOwe is rated higher. Debt Tracker Master averages 3.7 out of 5 from 3 ratings, while SyncOwe averages 5.0 from 1 ratings.
Do Debt Tracker Master or SyncOwe have ads?
Debt Tracker Master shows ads; SyncOwe does not.
Which is updated more often, Debt Tracker Master or SyncOwe?
Debt Tracker Master ships an update every 3 days, and SyncOwe every 5 weeks. Most recently, Debt Tracker Master was updated on October 9, 2026 and SyncOwe on October 3, 2026.

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