Debt Tracker by UnDebt vs Snapceipt
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Tracker by UnDebt
This app helps you manage and pay off debts by creating a personalized payoff plan. It tracks all your loans, calculates interest costs, and provides strategies like snowball or avalanche to reach your debt-free date faster. You can also track money owed to you and receive payment reminders.
- Personalized debt payoff plans
- Multiple payoff strategies (snowball, avalanche, etc.)
- Interest cost calculation
- Payment logging and reminders
- Track money owed to you
- Progress tracking with streaks and badges
- Widgets and Siri integration
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Debt Tracker turns "I think I owe about…" into an exact number, a date, and a plan to get there. Add what you owe, from credit cards and student loans to car finance or the money you borrowed off your sister, and see the whole picture on one screen: your total, what you're owed back, what interest costs you each day, and the date you'll be debt-free. A PLAN THAT TELLS YOU WHAT TO PAY Enter each debt's balance, rate and minimum payment, pick a strategy and a monthly budget, and Debt Tracker builds your plan: exactly what to pay on each debt, every month, until you're free. SIX STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Plus Highest Interest Cost, Cash Flow, or your own order. See which clears your debt soonest and cheapest, then make it your plan. WHAT IF Try a raise, a bonus or a tax refund and watch your debt-free date move. WATCH THE BALANCE FALL The Progress tab charts your balance against your plan and tells you when you're ahead. Streaks and badges mark the way. LOG A PAYMENT IN SECONDS Your minimum is already filled in, so logging a payment is one tap. Made a mistake? Undo it, or delete it from your payment history. NEVER MISS A DUE DATE Get reminded before each due date, so late fees don't undo your work. A calendar shows what's due this month and what's already paid. WIDGETS AND SIRI See your balance and next due date on your Home Screen and Lock Screen. Ask Siri how much you owe, or log a payment without opening the app. MONEY YOU'VE LENT, TOO Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. EVERY DETAIL IN ONE PLACE Tag each debt as a credit card, student loan, mortgage, car loan, medical, tax or personal loan. Add the lender, account reference, contact and notes. Track credit limits, 0% promotional rates and rate changes coming up. Group debts into categories that make sense to you. PRIVATE BY DESIGN No account. No sign-up. No bank logins. Your debts stay on your device unless you choose otherwise. Lock the app with Face ID, and turn on iCloud sync to use it on iPhone and iPad, in your own private iCloud, never on our servers. Import from a spreadsheet or export to CSV any time. ANY CURRENCY, ANY LANGUAGE Every world currency, 28 languages, Dark Mode and Dynamic Type. FREE TO START Track up to 5 debts with your debt-free date, reminders, payment logging, streaks and badges, the calendar, a Home Screen widget, sharing and export, free. DEBT TRACKER PRO A subscription unlocks: • Unlimited debts and categories • Your payoff plan: strategy comparison, month-by-month payments, payoff dates and What If • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are free for everyone) • Balance history against your plan • Lock Screen and larger widgets, and logging from a reminder, widget or Siri • Face ID lock and iCloud sync • CSV import and future rate changes Subscriptions are billed through your Apple Account. The monthly plan starts with a 3-day free trial. Payment is charged at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings. Terms and Privacy Policy: https://undebt5.wordpress.com/
Snapceipt
Effortlessly digitize and organize your paper receipts using AI. Automatically extract line items, track spending, and categorize expenses. Keep a secure digital vault of all your purchases for easy retrieval and financial insights.
- AI receipt scanning
- Automatic data extraction
- Spending tracking and trends
- Categorization of expenses
- Secure digital receipt vault
- Searchable purchase history
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Snapceipt turns your pile of paper receipts into organized, searchable spending data automatically. Just snap a photo. Snapceipt's AI reads every line item, even on long or faded receipts, and files everything neatly into your vault. No typing, no spreadsheets, no lost receipts. SCAN IN SECONDS • Point your camera at any receipt — done • AI extracts the store, date, every item, and totals • Works on crumpled, faded, and hard-to-read receipts KNOW WHERE YOUR MONEY GOES • Spending totals and trends, updated with every scan • Items sorted into categories automatically • Basket health score and smart saving suggestions YOUR RECEIPT VAULT • Every receipt stored safely in one place • Find any purchase in seconds • Never lose a receipt for returns, warranties, or taxes again • Download your receipt photos anytime — free EARN AS YOU GO • Collect points with every scan and level up SNAPCEIPT PRO Go further with Pro: unlimited scans, AI-powered insights. • $4.99/month, or $19.99/year with a 7-day free trial • Free plan includes 5 scans every month — forever Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://azahid1ualberta.github.io/snapceipt-legal/privacy-policy.html Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is rating: Snapceipt at 5.0 against Debt Tracker by UnDebt's 4.4. Snapceipt also leads on iOS requirement (15.1 vs 17.0). Debt Tracker by UnDebt's advantage is update cadence (every 5 days vs fortnightly) and ratings volume (5 vs 1). On price, ads, in-app purchases and monetization model 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
Both are free to download. Debt Tracker by UnDebt sells 2 in-app purchases, starting at $4.99 per month and Snapceipt sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
Snapceipt holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Debt Tracker by UnDebt has 5 ratings behind it against 1, so its average is the more settled of the two.
Debt Tracker by UnDebt ships an update every 5 days, Snapceipt fortnightly. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.
| Parameter | Debt Tracker by UnDebt | Snapceipt |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (5 ratings) | 5.0 (1 ratings) — better |
| Number of ratings | 5 — better | 1 |
| Update frequency | Every 5 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Freemium |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 21 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | Adam Jessop | Packplug Inc. |
Customer experience
Debt Tracker by UnDebt
Snapceipt
In-app purchases
Debt Tracker by UnDebt
- Monthly Subscription3 Days trial$4.991 Month
- 12 Month Subscription$19.991 Year
Snapceipt
- Snapceipt Pro (Monthly)$4.991 Month
- Snapceipt Pro (Annual)7 Days trial$19.991 Year
Questions
Is Debt Tracker by UnDebt free?
Is Snapceipt free?
Which has better reviews, Debt Tracker by UnDebt or Snapceipt?
Do Debt Tracker by UnDebt or Snapceipt have ads?
Which is updated more often, Debt Tracker by UnDebt or Snapceipt?
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