Comparison

Savings Tracker vs DebtCleared

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

Head to head
About

Savings Tracker

This app helps you curb impulse spending by providing tools to pause, reflect, and make mindful purchasing decisions. It translates costs into hours of your life and uses a 7-day icebox to cool off cravings.

Highlights
  • Mindful pause with photo prompts
  • Life calculator: cost in hours worked
  • 7-day icebox for delayed purchases
  • Track money saved and hours reclaimed
  • Aesthetic milestones for financial discipline
  • 100% private, local data storage
Features
Read full description

Is your money slipping away to late-night scrolling and stress shopping? You’re not alone. Nullspend isn’t another boring budget tracker or complicated spreadsheet. It is an empowering, mindful handbrake for your wallet designed to stop emotional spending and break the dopamine loop before you hit "checkout." We don't tell you how to spend your money—we give you the psychological tools to pause, reflect, and make decisions you won't regret tomorrow. HOW IT WORKS: See something you want to buy? Don't buy it yet. Snap a photo of the item, and let Nullspend guide you through a mindful pause to cool off your cravings. CORE FEATURES - THE MINDFUL PAUSE Snap a photo of any product to trigger your shield. Nullspend will present you with interactive, thought-provoking cards to challenge your impulse and help your logical brain take back control. - THE LIFE CALCULATOR Money is just stored time. Translate price tags into "hours of your life." By securely entering your approximate income, Nullspend shows you exactly how many hours you have to work to pay for that item. Would you really trade a whole Tuesday afternoon for those shoes? - THE 7-DAY ICEBOX Late-night cravings? Put them on ice. Save your "maybe" items into the 7-Day Icebox. If you still truly want it a week later when the emotional urge has passed, buy it guilt-free. - AESTHETIC MILESTONES Every time you say "no" to an impulse purchase, you win. Track your total money saved and "hours of freedom" reclaimed. Turn your financial discipline into beautiful, aesthetic milestones. - 100% PRIVATE Your money is your business. Nullspend requires no account creation. Your financial history, income data, and saved items are securely encrypted and stored locally on your device. It’s time to stop the impulse buying, avoid the ADHD tax, and keep your hard-earned money. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

DebtCleared

Features
Read full description

"DebtCleared" is a minimalist and focused debt management and repayment tracking tool. Whether you are managing multiple loans, credit card installments, or personal debts with friends, DebtCleared helps you keep everything organized so you can clearly understand your financial status at a glance. Say goodbye to financial anxiety and plan your path to financial freedom with clear data. 【Key Features】 Simple Tracking: Quickly add loans, debts, or bills with details on the amount and cycles without any clunky steps. Repayment Progress: Keep track of every payment you make. Visually monitor your remaining balance and watch your debt drop to zero. Smart Reminders: Set custom notifications for due dates so you never miss a payment and avoid late fees. Financial Overview: Get a clear summary of your total debt and upcoming monthly payments for better budgeting. Private & Secure: A pure utility experience. Your data is stored safely on your device, ensuring your financial privacy. Download "DebtCleared" now, take the first step toward financial freedom, and start living a stress-free life! 【Legal Information】 Privacy Policy: https://docs.google.com/document/d/1FR9pKU5kjqFU9-QlyWxSlolYGhRikXCggEaAmjws6r8/edit?usp=sharing Terms of Service: https://docs.google.com/document/d/1nTMjrCY_F7BfbROL6ZzrQ1-3DqB7NTaESBLjVpCSOBE/edit?usp=sharing

Screenshots

Savings Tracker4 screens
DebtCleared4 screens

Verdict

The call

The clearest difference is in-app purchases: DebtCleared at none against Savings Tracker's 7. DebtCleared also leads on update cadence (fortnightly vs every 2 months). On price, ads, device support and iOS requirement 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. Savings Tracker sells 7 in-app purchases, starting at $5.99 per month. DebtCleared asks for nothing beyond the download.

UpkeepUpdate frequency

Savings Tracker ships an update every 2 months, DebtCleared fortnightly. The most recent releases landed on September 20, 2026 and September 10, 2026 respectively.

Scorecard2 real differences · 7 level
Savings Tracker versus DebtCleared: the parameters behind the verdict, then further details
ParameterSavings TrackerDebtCleared
PriceFreeFree
Rating5.0 (2 ratings) — better—
Number of ratings2 — better—
Update frequencyEvery 2 monthsFortnightly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.017.0 — better
Further details — not scored
Size14 MB28 MB
Age rating17+4+
DeveloperPablo Amar Butron Galvez强胜 贾

In-app purchases

7 purchases

Savings Tracker

Subscriptions5
  • Monthly Access$5.991 Month
  • Yearly Access (50% OFF)$19.991 Year
  • Yearly Access (35% Off)$24.991 Year
Show 2 more
  • Yearly Access (Extended Trial)14 Days trial$29.991 Year
  • Yearly Access7 Days trial$39.991 Year
One-time2
  • One Time Purchase Discounted$69.99
  • One Time Purchase$89.99
None

DebtCleared

No in-app purchases

Questions

Is Savings Tracker free?
Savings Tracker is free to download, with in-app purchases available.
Is DebtCleared free?
DebtCleared is free to download, with no in-app purchases.
Do Savings Tracker or DebtCleared have ads?
Neither Savings Tracker nor DebtCleared shows ads.
Which is updated more often, Savings Tracker or DebtCleared?
Savings Tracker ships an update every 2 months, and DebtCleared fortnightly. Most recently, Savings Tracker was updated on September 20, 2026 and DebtCleared on September 10, 2026.

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