Comparison

Debt Magic vs Tip Tracker

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debt Magic

This free financial tool helps you visualize and accelerate your debt payoff journey. Track all your loans and credit cards in one place, compare different payment strategies, and see the impact of extra payments on your total interest and payoff timeline.

Highlights
  • Debt payoff calculator
  • Compare Snowball vs. Avalanche methods
  • Visualize extra payment impact
  • Track principal vs. interest
  • Consolidate all debt types
Features
Read full description

Debt Magic is a completely FREE debt-payoff calculator that makes your plan crystal clear. Add your credit cards, student loans, auto loans, personal loans or mortgage and instantly see payoff dates, total interest, and how much faster you can be debt-free. What you can do: - Compare methods: Snowball (smallest balance first) vs. Avalanche (highest APR first). - See the impact of extra payments: add $10–$100+ and watch the payoff date move. - Amortization made simple: track principal vs. interest over time with clean charts and tables. - All debts, one place: credit cards, student loans, auto, mortgage, personal loans. - Visualize your plan for your debt payoff: use the loan calculator and debt payoff calculator to map your path. - Earn rewards and cash with our bonus rewards dashboard. Debt Magic is free to use so you can focus on what matters, paying off debt faster.

About

Tip Tracker

Easily track your tips, hours, and hourly pay to understand your true earnings. Organize your income with clear weekly and monthly summaries, and manage multiple jobs with individual settings. Features include shift timers, receipt scanning, and secure data backup.

Highlights
  • Track credit tips, cash tips, tip-outs, and hours
  • Weekly and monthly earnings summaries
  • Manage multiple jobs
  • Live shift timer and calendar view
  • Receipt scanning and image attachment
  • CSV import/export and iCloud sync
  • Biometric app protection
Features
Currently charting
Read full description

Know what every shift is worth, now on iPhone and Apple Watch. TipTrack3r is a tip tracker for servers, bartenders, and other tipped professionals. Record your tips, hours, and optional hourly pay, then see your earnings in clear weekly and monthly summaries. TRACK YOUR EARNINGS • Log credit tips, cash tips, and tip-outs • Add hours worked and hourly base pay • See total earnings and average earnings per hour • Review and edit shifts in compact history cards FIND YOUR BEST SHIFTS • Explore Earnings Insights for your strongest jobs, shifts, and weekdays • Compare this week with your usual earning pace • View earnings by day in a calendar MAKE IT YOURS • Manage multiple jobs with individual names, colors, and icons • Personalize dashboard cards, themes, and displayed statistics • Choose a POS format per job for receipt scanning, or use automatic detection • Scan supported checkout slips into an editable draft and attach receipt images ON YOUR APPLE WATCH • See today's earnings at a glance • Log a shift's tips and hours from your wrist • Start and end a live shift timer • Check your upcoming scheduled shifts and weekly and monthly totals • Shifts logged on the watch sync to your iPhone, even if it's out of range for a while PLAN AND LOG WITH LESS EFFORT • Subscribe to work schedules using compatible iCalendar links from providers such as 7shifts and HotSchedules • Set logging reminders before, at, or after a scheduled shift ends • Hours fill in from your schedule automatically • Start and end a live shift timer from the Dynamic Island, Lock Screen, or Apple Watch • Ask Siri about your earnings and insights, or open your history and calendar • Access quick actions from Home Screen widgets and Control Center SHARE AND PROTECT YOUR RECORDS • Create shift-summary images with the details you choose, including hours and hourly earnings • Add an optional QR code so friends can find TipTrack3r on the App Store • Import and export shifts with CSV files and create automatic local backups • Sync jobs and shifts through your private iCloud account • Protect the app or hide earnings with Face ID, Touch ID, or your passcode • Restore accidentally deleted shifts No account or third-party sign-in is required. Optional features can be enabled in Settings. Schedule subscriptions require a compatible calendar feed. Receipt recognition and imported schedule details should be reviewed before saving.

Screenshots

Debt Magic4 screens
Tip Tracker4 screens

Verdict

The call

The clearest difference is price: Debt Magic at Free against Tip Tracker's $0.99. Debt Magic also leads on ratings volume (19 vs 4). Tip Tracker's advantage is rating (5.0 vs 4.8) and chart position (#101 vs unranked). On review sentiment, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Debt Magic is free to download; Tip Tracker costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Tip Tracker holds the better App Store score, 5.0 against 4.8. Both are backed by a comparable volume of ratings — 19 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Debt Magic ships an update weekly, Tip Tracker every 9 days. Both last shipped on October 24, 2026.

Scorecard5 real differences · 6 level
Debt Magic versus Tip Tracker: the parameters behind the verdict, then further details
ParameterDebt MagicTip Tracker
PriceFree — better$0.99
Rating4.8 (19 ratings)5.0 (4 ratings) — better
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings19 — better4
Update frequencyWeekly — betterEvery 9 days
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterPaid
Best chart rank—#101 — better
DevicesiPhoneiPhone, Apple Watch — better
Requires iOS16.0 — better17.0
Further details — not scored
Size33 MB13 MB
Age rating4+4+
DeveloperChanged Inc.Adam Moore

Customer experience

Debt Magic

All ratings18 ratings
Positive88.9%
Neutral11.1%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Tip Tracker

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Debt Magic

No in-app purchases

None

Tip Tracker

No in-app purchases

Questions

Is Debt Magic free?
Debt Magic is free to download, with no in-app purchases.
Is Tip Tracker free?
Tip Tracker costs $0.99, with no in-app purchases.
Which has better reviews, Debt Magic or Tip Tracker?
Tip Tracker is rated higher. Debt Magic averages 4.8 out of 5 from 19 ratings, while Tip Tracker averages 5.0 from 4 ratings.
Do Debt Magic or Tip Tracker have ads?
Neither Debt Magic nor Tip Tracker shows ads.
Which is updated more often, Debt Magic or Tip Tracker?
Debt Magic ships an update weekly, and Tip Tracker every 9 days. Most recently, Debt Magic was updated on October 24, 2026 and Tip Tracker on October 24, 2026.

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