Comparison

Debt Tracker Master vs Subly

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

Subly

Features
Read full description

Subly shows you how much you pay for subscriptions and reminds you before every charge. No bank connection and no account needed. THE ESSENTIALS • Reminders before every charge and before a free trial ends, so you can cancel what you don't use in time. • All your monthly spending in one number, even if you pay in several currencies (European Central Bank reference rates). • Your year: what you've spent so far, what's expected through December and what your current subscriptions cost per year. • A calendar with all your charges and each month's list of payments. • Monthly budget with an alert if you go over it. • Icons and colors for every subscription, and 100+ services suggested as you type. CANCEL WITHOUT GETTING LOST • Every subscription shows how to cancel it: the service's cancellation page and your App Store subscriptions. • See how much you've paid since you added it and what it costs per year. • Savings simulator: mark what you don't use and see how much you'd save. SPLIT COSTS • Note who you share each subscription with and how much each person owes you. • Mark it as paid or send a reminder by message. ADD IN SECONDS • Type the name or scan a receipt with the camera or from a screenshot. Text is recognized on your own device. ON ALL YOUR DEVICES • iCloud sync. • Widgets for the Home Screen and the Lock Screen. • Apple Watch app with your spending and upcoming charges. PRIVACY • No accounts, no bank access and no ads. • Your data stays on your device and in your private iCloud. • Face ID lock and export to CSV or JSON. SUBLY PRO For free you get up to 4 active subscriptions with reminders 1 day before the charge, calendar, budget, shared costs, receipt scanner and widgets. Subly Pro adds unlimited subscriptions, reminders as many days in advance as you want, iCloud sync, the Apple Watch app, "Your year" and currency conversion. • Annual plan with a 1-month free trial for new subscribers. If you don't cancel before the trial ends, the annual fee is charged. • Monthly and annual plans: auto-renewable subscriptions. Payment is charged to your Apple Account at confirmation of purchase. They renew automatically unless canceled at least 24 hours before the end of the current period. You can manage and cancel them in your Apple Account settings. • One-time purchase: unlocks Subly Pro forever, with no renewals. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sites.google.com/view/subly-app-/inicio

Screenshots

Debt Tracker Master4 screens
Subly4 screens

Verdict

The call

The clearest difference is ads: Subly at none against Debt Tracker Master's shown. Debt Tracker Master's advantage is update cadence (every 3 days vs every 3 weeks). On price, in-app purchases, 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 and Subly sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Debt Tracker Master ships an update every 3 days, Subly every 3 weeks. The most recent releases landed on October 30, 2026 and October 26, 2026 respectively.

Scorecard2 real differences · 8 level
Debt Tracker Master versus Subly: the parameters behind the verdict, then further details
ParameterDebt Tracker MasterSubly
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 purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, Apple Watch
Requires iOS16.6 — better17.0
Further details — not scored
Size50 MB5 MB
Age rating4+4+
Developer娜 杨Jorge Valderrama Sanchez

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
2 purchases

Subly

Subscriptions2
  • Subly Monthly$0.991 Month
  • Subly annual$8.991 Year

Questions

Is Debt Tracker Master free?
Debt Tracker Master is free to download, with in-app purchases available.
Is Subly free?
Subly is free to download, with in-app purchases available.
Do Debt Tracker Master or Subly have ads?
Debt Tracker Master shows ads; Subly does not.
Which is updated more often, Debt Tracker Master or Subly?
Debt Tracker Master ships an update every 3 days, and Subly every 3 weeks. Most recently, Debt Tracker Master was updated on October 30, 2026 and Subly on October 26, 2026.

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