TinyDebt vs Billy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
TinyDebt
This app helps you manage and pay off debts like credit cards, personal loans, and mortgages. It offers tools to track your progress, plan payments, and visualize your journey to becoming debt-free.
- Track multiple debts
- Debt Snowball and Avalanche methods
- Progress tracking and visualization
- Payment reminders
- What-if calculator
- Offline data storage
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Take control of your finances and become debt-free with TinyDebt, the ultimate debt payoff tracker. Stop struggling with complicated spreadsheets. TinyDebt is a simple loan manager designed to help you organize credit card debt, personal loans, and mortgages in one place. Whether you prefer the Debt Snowball or Debt Avalanche method, our payoff planner gives you a clear path to financial freedom. Stay Organized (Free Debt Tracker) - Track Loans: Manage up to 3 debts including credit cards and student loans. - Debt Dashboard: View your total balance and monthly repayment plan at a glance. - Progress Tracking: Log payments manually and watch your debt-free date get closer. Go Pro (Accelerate Your Debt Payoff) Upgrade to TinyDebt Pro for advanced finance tools that help you save money on interest: - Unlimited Debts: Track your entire financial portfolio. - Snowball & Avalanche: Automatically calculate the fastest way to pay off debt. - What-If Calculator: See how extra payments reduce your interest and time. - Payment Reminders: Never miss a due date with smart notifications. Secure & Private Loan Management As a solo developer, I value your privacy. Your financial data stays on your device. TinyDebt is an offline debt tracker—no bank syncing required and no data sharing. Why Choose TinyDebt? Users love our intuitive debt calculator and motivating charts. If you need a clean IOU tracker or a professional debt payoff planner, TinyDebt is the simplest tool on the App Store. Start your journey today. Download the best debt tracker and see how fast you can become debt-free! By using this app, you agree to Apple's Standard End User License Agreement (EULA). You can read the full EULA here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Billy
Manage your personal expenses with this app. Create shopping and spending lists, track monthly expenditures, and visualize your financial habits. Set spending goals and organize expenses with color-coded tags for better organization.
- Create and manage shopping and expense lists
- Track monthly spending
- Set monthly spending goals
- Organize expenses by color-coded tags
- Share lists with friends and family
- Visualize spending with a dashboard
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Billy é o seu assistente de despesas pessoais. Crie listas de compras e gastos, acompanhe quanto está gastando por mês e mantenha suas finanças organizadas de forma simples e visual. O que você pode fazer com o Billy: • Criar e gerenciar listas de compras e despesas • Adicionar itens com preço e quantidade • Compartilhar listas com amigos e família • Ver um dashboard completo com seus gastos mensais • Definir metas mensais de gastos • Organizar despesas por tags coloridas • Comparar períodos e identificar tendências Planos disponíveis: • Grátis — até 3 despesas, controle básico de gastos • Essential — despesas ilimitadas, análise de até 12 meses, filtros avançados • PRO — dashboard completo, tags, metas, comparativo de períodos e muito mais Simples de usar, poderoso o suficiente para transformar a forma como você cuida do seu dinheiro. Terms of Use: https://app-billy.com/#terms Privacy Policy: https://app-billy.com/#privacy
Screenshots
Verdict
The clearest difference is review sentiment: Billy at 100% against TinyDebt's 50%. Billy also leads on update cadence (every 10 days vs monthly). 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. TinyDebt sells 3 in-app purchases, starting at $4.99 per month and Billy sells 7 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
TinyDebt ships an update monthly, Billy every 10 days. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.
| Parameter | TinyDebt | Billy |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (2 ratings) — better | — |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 2 — better | — |
| Update frequency | Monthly | Every 10 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Freemium |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.4 | 15.1 — better |
| Further details — not scored | ||
| Size | 77 MB | 44 MB |
| Age rating | 4+ | +4 |
| Developer | Vladislav Siumbeli | Wesley Fernandes |
Customer experience
TinyDebt
Billy
In-app purchases
TinyDebt
- Monthly3 Days trial$4.991 Month
- Annual3 Days trial$29.991 Year
- Lifetime$59.99
Billy
- Essential2 variants$1.991 Month
- Plano Essential$1.991 Month
- Plano Pro3 variants$2.991 Month
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- Plano Essential$11.991 Year
- Essential Anual$11.991 Year
- Plano Pro$22.991 Year
- Plano Pro Anual$22.991 Year
