Comparison

TinyDebt vs Splitwin

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

Head to head
About

TinyDebt

Organize credit card debt, personal loans, and mortgages in one place. Choose between the Debt Snowball or Debt Avalanche method to create a clear path to financial freedom. Track your progress and get smart notifications to stay on top of payments.

Highlights
  • Track multiple debt types
  • Debt payoff method selection
  • Progress visualization
  • Manual payment logging
  • Unlimited debt tracking (Pro)
  • Interest saving calculator (Pro)
  • Payment reminders (Pro)
Features
Read full description

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/

About

Splitwin

Features
Read full description

Splitwin — No invasive ads. No inevitable in-app purchases. No predatory subscriptions. This is Splitwin. Stop doing mental math every time the bill arrives. Splitwin makes it effortless to track shared expenses with friends, roommates, and groups — so everyone stays on the same page without the awkwardness. HOW IT WORKS Add an expense, choose how to split it, and Splitwin handles the rest. You'll always know exactly who owes what and who's been paid back — no spreadsheets, no group chats full of "wait, how much do I owe again?" WHAT YOU CAN DO - Add friends by username or send a one-tap invite link - Create groups for trips, households, couples, events, and more - Split expenses equally, by exact amount, by percentage, or by shares - Track recurring costs like rent, subscriptions, and utilities - See at-a-glance balances — who owes you, who you owe, what's settled - Log settlements the moment someone pays you back - Browse full activity history for every friend and group - Use Splitwin in 10 languages: English, Spanish, French, Portuguese, Chinese, Japanese, Korean, Hindi, Arabic, and Indonesian and more than 20 currencies BUILT TO STAY OUT OF YOUR WAY No clutter, no bloat. Splitwin's Bauhaus-inspired design uses bold type, strong colors, and clear visual hierarchy — so you find what you need instantly and get back to your life. YOUR PRIVACY, RESPECTED Sign in with Google or Apple. Your data is only ever shared with the friends and groups you choose. No ads. No data selling. Ever. PERFECT FOR - Travel buddies splitting hotels, flights, and meals - Roommates dividing rent, groceries, and utilities - Couples managing household finances together - Friend groups handling dinners, gifts, and events - Anyone who's tired of being the one who "does the math" Fair, transparent, and completely drama-free — Splitwin keeps the money stuff simple so you can focus on the people that matter.

Screenshots

TinyDebt4 screens
Splitwin4 screens

Verdict

The call

The clearest difference is ads: TinyDebt at none against Splitwin's shown. On price, update cadence, in-app purchases and device support 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

Both are free to download. TinyDebt sells 3 in-app purchases, starting at $4.99 per month and Splitwin sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

TinyDebt ships an update every 3 weeks, Splitwin fortnightly. The most recent releases landed on September 8, 2026 and September 30, 2026 respectively.

Scorecard1 real difference · 9 level
TinyDebt versus Splitwin: the parameters behind the verdict, then further details
ParameterTinyDebtSplitwin
PriceFreeFree
Rating3.5 (2 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings2 — better—
Update frequencyEvery 3 weeksFortnightly — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.416.0 — better
Further details — not scored
Size77 MB115 MB
Age rating4+9+
DeveloperVladislav SiumbeliJom Belajar Sdn Bhd

In-app purchases

3 purchases

TinyDebt

Subscriptions2
  • Monthly3 Days trial$4.991 Month
  • Annual3 Days trial$29.991 Year
One-time1
  • Lifetime$79.99
1 purchases

Splitwin

One-time1
  • 15 Splitoo$0.99

Questions

Is TinyDebt free?
TinyDebt is free to download, with in-app purchases available.
Is Splitwin free?
Splitwin is free to download, with in-app purchases available.
Do TinyDebt or Splitwin have ads?
Splitwin shows ads; TinyDebt does not.
Which is updated more often, TinyDebt or Splitwin?
TinyDebt ships an update every 3 weeks, and Splitwin fortnightly. Most recently, TinyDebt was updated on September 8, 2026 and Splitwin on September 30, 2026.

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