# Spending & Expense Tracker vs Debt Guide

The clearest difference is monetization model: Debt Guide at freemium against Spending & Expense Tracker's subscription. Debt Guide also leads on rating (4.8 vs 4.6). Spending & Expense Tracker's advantage is update cadence (every 5 days vs every 3 months) and review sentiment (72% vs 62%). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Spending & Expense Tracker sells 4 in-app purchases, starting at $19.99 per year and Debt Guide sells 4 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Guide holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 37 and 49 respectively. Written reviews complicate that: 72% of Spending & Expense Tracker's written reviews are positive against 62% of Debt Guide's, so the app with the better star average is not the one people write more warmly about.

Spending & Expense Tracker ships an update every 5 days, Debt Guide every 3 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | Spending & Expense Tracker | Debt Guide |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (37 ratings)](https://appshunter.io/ios/app/spending-and-expense-tracker/id6740085856/reviews) | **[4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** |
| Number of ratings | 37 | **49** |
| Positive reviews | **72.2% of reviews** | 61.5% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 3 months |
| Monetization | Subscription | **Freemium** |
| Size | 77 MB | 98 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Vage Alaverdian](https://appshunter.io/developer/1775977490) | [Hussain Mustafa](https://appshunter.io/developer/1247104628) |

## What reviewers say

### Spending & Expense Tracker

[App page](https://appshunter.io/ios/app/spending-and-expense-tracker/id6740085856)

Manage your money with this personal finance manager. Plan budgets, track income and expenses, and grow savings with smart tools. Achieve financial freedom with easy-to-use budgeting and expense tracking.

**Highlights:** Monthly budgeting tools, Income and expense tracking, Savings growth features, Income calculator, Expense calendar, Financial insights

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Annual Premium | $19.99 | per year |
| Annual Premium, 3 days Trial | $29.99 | per year |
| Lifetime Premium | Free | one-time |
| Lifetime Premium | $79.99 | one-time |

**What reviewers like**

- 👍 Simple and convenient design
- 🚀 Quick and intuitive
- 💡 Customizable to personal preferences
- 💡 Helpful for budgeting and financial clarity
- 👍 Easy to track spending and expenses

**What reviewers complain about**

- 🐛 Disappearing categories and inability to edit
- 🐛 Lack of guidance or onboarding for new users

**Reported bugs**

- Disappearing income categories
- Inability to move categories between expense and income

**Requested features**

- Add more currency options
- Ability to convert currencies to USD
- Suggest new functionalities and features


### Debt Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

**Highlights:** Personalized debt repayment plans, Snowball and Avalanche payoff methods, Track multiple loans and credit cards, Payment reminders and alerts, Interactive progress charts and graphs, Ad-free experience

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Spending & Expense Tracker free?

Spending & Expense Tracker is free to download, with in-app purchases available.

### Is Debt Guide free?

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

### Which has better reviews, Spending & Expense Tracker or Debt Guide?

Debt Guide is rated higher. Spending & Expense Tracker averages 4.6 out of 5 from 37 ratings, while Debt Guide averages 4.8 from 49 ratings.

### Do Spending & Expense Tracker or Debt Guide have ads?

Neither Spending & Expense Tracker nor Debt Guide shows ads.

### Which is updated more often, Spending & Expense Tracker or Debt Guide?

Spending & Expense Tracker ships an update every 5 days, and Debt Guide every 3 months. Most recently, Spending & Expense Tracker was updated on October 24, 2026 and Debt Guide 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.*