# AlmostZero vs Debt Tracker

The clearest difference is rating: AlmostZero at 4.7 against Debt Tracker's 1.0. AlmostZero also leads on review sentiment (86% vs 50%) and ads (none vs shown). Debt Tracker's advantage is iOS requirement (17.6 vs 26.2). On price, update cadence, in-app purchases and monetization model there is nothing between them.

Both are free to download. AlmostZero sells 13 in-app purchases, starting at $0.99 per month and Debt Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

AlmostZero holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: AlmostZero has 78 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 86% of AlmostZero's written reviews are positive against 50% of Debt Tracker's.

AlmostZero ships an update every 2 weeks, Debt Tracker monthly. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | AlmostZero | Debt Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (78 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/debt-tracker-balance-due/id6746118952/reviews) |
| Number of ratings | **78** | 1 |
| Positive reviews | **85.7% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 224 MB | 6 MB |
| Requires iOS | 26.2 | **17.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) | [Paul Fraser](https://appshunter.io/developer/482131297) |

## What reviewers say

### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

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

**In-app purchases (13)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $0.99 | one-time |
| Tip | $2.99 | one-time |
| Tip | $3.99 | one-time |
| Tip | $5.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-balance-due/id6746118952)

Manage and track multiple debts, including credit cards and loans. Visualize your repayment progress with clear indicators and receive monthly summaries to stay motivated and organized on your journey to becoming debt-free.

**Highlights:** Track multiple debt accounts, Manage credit cards, loans, and personal borrowing, Visualize repayment progress with percentage bars, View paid and remaining balances, Add monthly payment details and due dates, Receive simple monthly payment summaries, Stay motivated with progress-based messages

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Balance Due Pro | $9.99 | one-time |


## Frequently asked questions

### Is AlmostZero free?

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

### Is Debt Tracker free?

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

### Which has better reviews, AlmostZero or Debt Tracker?

AlmostZero is rated higher. AlmostZero averages 4.7 out of 5 from 78 ratings, while Debt Tracker averages 1.0 from 1 ratings.

### Do AlmostZero or Debt Tracker have ads?

Debt Tracker shows ads; AlmostZero does not.

### Which is updated more often, AlmostZero or Debt Tracker?

AlmostZero ships an update every 2 weeks, and Debt Tracker monthly. Most recently, AlmostZero was updated on October 21, 2026 and Debt Tracker on October 24, 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.*