Comparison

Debt Tracker Master vs DumbFi

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

DumbFi

Features
Read full description

Take control of your spending, without the complexity. DumbFi is the easiest way to track where your money goes. No logins, no linking to bank accounts or credit cards, no confusing graphs. Just a clean, simple tool that helps you stay on top of your expenses. Why you’ll love DumbFi: *** Fast expense entry *** Add purchases in seconds. Choose a category, add a quick note, and select the date. *** Clear insights *** Instantly see how much you’ve spent by category or over any custom date range. *** Easy editing *** Fix mistakes or update details anytime. *** Export your data *** Download expenses as a CSV file for Excel, Google Sheets, or your favorite budget tool. *** Privacy first *** Your data lives only on your phone. No accounts. No tracking. No subscriptions. Whether you’re budgeting, trying to cut back, or just curious where your cash goes, DumbFi keeps it effortless. Free. Private. Simple. Download DumbFi today and finally make sense of your spending. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://silmarillabs.com/dumbfi/privacy

Screenshots

Debt Tracker Master4 screens
DumbFi4 screens

Verdict

The call

The clearest difference is in-app purchases: DumbFi at none against Debt Tracker Master's 4. DumbFi also leads on ads (none vs shown). Debt Tracker Master's advantage is update cadence (every 3 days vs every 3 weeks). 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. DumbFi asks for nothing beyond the download.

UpkeepUpdate frequency

Debt Tracker Master ships an update every 3 days, DumbFi every 3 weeks. The most recent releases landed on October 9, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
Debt Tracker Master versus DumbFi: the parameters behind the verdict, then further details
ParameterDebt Tracker MasterDumbFi
PriceFreeFree
Rating3.7 (3 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings3 — better—
Update frequencyEvery 3 days — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.615.1 — better
Further details — not scored
Size50 MB34 MB
Age rating4+4+
Developer娜 杨Silmaril Labs, LLC

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

DumbFi

No in-app purchases

Questions

Is Debt Tracker Master free?
Debt Tracker Master is free to download, with in-app purchases available.
Is DumbFi free?
DumbFi is free to download, with no in-app purchases.
Do Debt Tracker Master or DumbFi have ads?
Debt Tracker Master shows ads; DumbFi does not.
Which is updated more often, Debt Tracker Master or DumbFi?
Debt Tracker Master ships an update every 3 days, and DumbFi every 3 weeks. Most recently, Debt Tracker Master was updated on October 9, 2026 and DumbFi on October 12, 2026.

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