# Debtyy vs Lendnote

The clearest difference is rating: Lendnote at 5.0 against Debtyy's 4.0. Lendnote also leads on in-app purchases (none vs 2) and iOS requirement (16.0 vs 18.0). Debtyy's advantage is ads (none vs shown). On price, ratings volume, update cadence and device support there is nothing between them.

Both are free to download. Debtyy sells 2 in-app purchases, starting at $1.99 per month. Lendnote asks for nothing beyond the download.

Lendnote holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

Debtyy ships an update weekly, Lendnote every 4 days. The most recent releases landed on October 25, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Debtyy | Lendnote |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (2 ratings)](https://appshunter.io/ios/app/debtyy-debt-tracker-and-iou/id6756559063/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/lendnote-smart-debt-tracker/id6774566739/reviews)** |
| Number of ratings | **2** | 1 |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Weekly | **Every 4 days** |
| Monetization | Freemium | **Ad-supported** |
| Size | 19 MB | 54 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Akylbek Utekeshev](https://appshunter.io/developer/1850759447) | [Nam Truong Phuong](https://appshunter.io/developer/6774566741) |

## What reviewers say

### Debtyy

[App page](https://appshunter.io/ios/app/debtyy-debt-tracker-and-iou/id6756559063)

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

**Highlights:** Track interpersonal debts, Record partial payments, Set custom reminders, Offline-first functionality, iCloud sync, Privacy-focused

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $1.99 | per month |
| Annually | $12.99 | per year |


### Lendnote

[App page](https://appshunter.io/ios/app/lendnote-smart-debt-tracker/id6774566739)

Easily track money lent and borrowed with this intuitive app. It uses AI to parse natural language entries, offers detailed transaction tracking, and provides smart financial insights. Keep all your debt records organized and secure locally on your device.

**Highlights:** AI-powered natural language input, Track lending and borrowing transactions, Smart dashboard with net balance, Statistics and trends analysis, PDF statement generation, Photo proof for transactions, Interest and partial payment tracking, Due-date reminders

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

**In-app purchases:** none


## Frequently asked questions

### Is Debtyy free?

Debtyy is free to download, with in-app purchases available.

### Is Lendnote free?

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

### Which has better reviews, Debtyy or Lendnote?

Lendnote is rated higher. Debtyy averages 4.0 out of 5 from 2 ratings, while Lendnote averages 5.0 from 1 ratings.

### Do Debtyy or Lendnote have ads?

Lendnote shows ads; Debtyy does not.

### Which is updated more often, Debtyy or Lendnote?

Debtyy ships an update weekly, and Lendnote every 4 days. Most recently, Debtyy was updated on October 25, 2026 and Lendnote 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.*