# Debt Tracker by UnDebt vs Pennify

The clearest difference is in-app purchases: Pennify at none against Debt Tracker by UnDebt's 2. Pennify also leads on iOS requirement (13.0 vs 17.0). Debt Tracker by UnDebt's advantage is ads (none vs shown). On price, update cadence and device support there is nothing between them.

Both are free to download. Debt Tracker by UnDebt sells 2 in-app purchases, starting at $3.99 per month. Pennify asks for nothing beyond the download.

Debt Tracker by UnDebt ships an update every 5 days, Pennify weekly. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Debt Tracker by UnDebt | Pennify |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (5 ratings)](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488/reviews)** | — |
| Number of ratings | **5** | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | **Every 5 days** | Weekly |
| Monetization | Free with in-app purchases | — |
| Size | 21 MB | 67 MB |
| Requires iOS | 17.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Adam Jessop](https://appshunter.io/developer/1728400867) | [志煌 谢](https://appshunter.io/developer/1769521209) |

## What reviewers say

### Debt Tracker by UnDebt

[App page](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488)

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

**Highlights:** Custom debt categories, Interest rate tracking, Track lent and borrowed money, Debt summary and progress tracking, Payment recording, Simple, easy-to-use interface

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $3.99 | per month |
| 12 Month Subscription | $19.99 | per year |


### Pennify

[App page](https://appshunter.io/ios/app/pennify/id6759766514)

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Tracker by UnDebt free?

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

### Is Pennify free?

Pennify is free to download, with no in-app purchases.

### Do Debt Tracker by UnDebt or Pennify have ads?

Pennify shows ads; Debt Tracker by UnDebt does not.

### Which is updated more often, Debt Tracker by UnDebt or Pennify?

Debt Tracker by UnDebt ships an update every 5 days, and Pennify weekly. Most recently, Debt Tracker by UnDebt was updated on October 30, 2026 and Pennify on October 28, 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.*