# Debt Guide vs Own Ledger

The clearest difference is update cadence: Own Ledger at weekly against Debt Guide's every 3 months. Own Ledger also leads on rating (5.0 vs 4.8). Debt Guide's advantage is ratings volume (50 vs 2). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 per month and Own Ledger sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Own Ledger holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debt Guide has 50 ratings behind it against 2, so its average is the more settled of the two.

Debt Guide ships an update every 3 months, Own Ledger weekly. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Debt Guide | Own Ledger |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (50 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/own-ledger/id6806759517/reviews)** |
| Number of ratings | **50** | 2 |
| Positive reviews | 61.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | Freemium | Freemium |
| Size | 98 MB | 53 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Hussain Mustafa](https://appshunter.io/developer/1247104628) | [DRAVEX LLC](https://appshunter.io/developer/6792207279) |

## What reviewers say

### 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 |


### Own Ledger

[App page](https://appshunter.io/ios/app/own-ledger/id6806759517)

Manage your personal finances offline with this secure tracker. Record income and expenses, import files, and back up your data locally or to Google Drive. Upgrade for advanced features like unlimited accounts, forecasting, and custom reports.

**Highlights:** Offline-first personal finance tracking, Record income and expenses, Import files with preview, Local and Google Drive backups, Unlimited accounts and categories (Plus), Forecasting and custom reports (Plus)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Own Ledger Plus Monthly | $4.99 | per month |
| Own Ledger Plus Annual | $39.99 | per year |


## Frequently asked questions

### Is Debt Guide free?

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

### Is Own Ledger free?

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

### Which has better reviews, Debt Guide or Own Ledger?

Own Ledger is rated higher. Debt Guide averages 4.8 out of 5 from 50 ratings, while Own Ledger averages 5.0 from 2 ratings.

### Do Debt Guide or Own Ledger have ads?

Neither Debt Guide nor Own Ledger shows ads.

### Which is updated more often, Debt Guide or Own Ledger?

Debt Guide ships an update every 3 months, and Own Ledger weekly. Most recently, Debt Guide was updated on November 4, 2026 and Own Ledger on October 31, 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.*