Debtly vs Spendl

Ever lend money to a friend and forget how much? Or realize you missed a bill payment because it slipped through the cracks? Debtly is the personal debt tracker that keeps every IOU, loan, bill, and receivable organized in one clean, private place — so nothing gets lost. Whether you're tracking money you lent to friends, managing loans between family members, or keeping tabs on business receivables, Debtly gives you a crystal-clear picture of who owes you, who you owe, and exactly how each balance changes over time. WHY DEBTLY? Most finance apps are built for budgeting or debt payoff planning. Debtly is different — it's designed specifically for tracking personal debts, IOUs, and money owed between people. No complicated setup. No bank connections required. Just simple, powerful debt tracking that works. CORE FEATURES: INSTANT DEBT RECORDING Add a new debt or IOU in seconds. Record who borrowed money, how much, when it's due, and attach notes for context. Supports multiple currencies so you can track debts across borders. PERSON-BY-PERSON OVERVIEW See every balance broken down by person. Know at a glance: who owes you the most, who you need to pay back first, and what the total picture looks like. No more guessing or mental math. SMART DUE DATE REMINDERS Never miss a repayment deadline. Set custom reminders for upcoming due dates and get notified before payments are late. Stay ahead of every obligation — both what you owe and what's owed to you. BUILT-IN ANALYTICS & INSIGHTS Understand your debt patterns with visual analytics. See trends over time, identify which debts to prioritize for collection, and use smart payoff plans to decide what to settle first. MULTI-CURRENCY SUPPORT Track debts in different currencies without mixing them up. Perfect for international friendships, travel debts, or cross-border business dealings. ATTACH NOTES & HISTORY Add context to every entry with notes. Review the full payment history for each debt — see what was paid, when, and what remains. Export data when you need records. 100% PRIVATE & AD-FREE Your financial data is yours alone. Debtly works without ads, without tracking, and without a forced account. No third-party access. No data mining. Just your debts, your way. ICLOUD SYNC (OPTIONAL) Keep your records synchronized across iPhone and iPad with optional iCloud sync. Your data stays updated on all your devices when you want it — and stays private when you don't. PERFECT FOR: - Friends splitting dinner bills, rent, or vacation costs - Family members tracking shared expenses or personal loans - Freelancers managing client payments and receivables - Small business owners tracking who owes what - Anyone who lends or borrows money regularly PRIVACY FIRST: Debtly is built with privacy at its core. We believe your financial information should stay with you. That's why Debtly requires no account registration, has no ads or tracking, stores data locally on your device, and offers optional — never forced — cloud sync. Download Debtly today. Track every IOU, every loan, every bill. Never lose track of money again. --- Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.sefacemturan.com/privacy/debtly

Spendl helps you see what recurring payments really cost—monthly, yearly, and in your chosen currency—with renewals, budgets, widgets, and exports that stay on your device. NEW IN 1.1: Track when you last used each subscription. Subscription Audit on your dashboard and an Unused filter help you spot services you’re still paying for but barely use. Set your own “unused” window in Settings. Private by design: no account required, Face ID lock optional, iCloud sync for your data. FREE FEATURES • Track unlimited subscriptions — add, edit, and organise in one place • Monthly & annual spend totals on your dashboard • Upcoming renewals so nothing catches you off guard • Categories, brand logos, and pause inactive subscriptions • Price change history when costs go up • Monthly spending goal with progress on your dashboard • Forgotten subscriptions — spot what may have slipped off your radar • Face ID & passcode lock for privacy • iCloud sync across your Apple devices • Light & dark mode SPENDL PRO Upgrade for renewal reminders (7, 3, and 1 day before), multi-currency with live exchange rates, spending trends & charts, home screen widgets, CSV & PDF export, and shared subscription cost splitting. Spendl Pro is an optional auto-renewable subscription (monthly or yearly). Payment is charged to your Apple ID. Manage or cancel anytime in Settings → Apple ID → Subscriptions. Prices vary by region and are shown before purchase. PRIVACY FIRST Spendl does not require bank account access. You add subscriptions manually — your data stays yours. Download Spendl and take control of your subscriptions today. If you have any questions, suggestions, or feedback, or run into problems, feel free to get in touch at support.spendl@gmail.com Read more about the Terms of Use here: Terms of Use: https://spendlapp.github.io/spendl/#terms Privacy Policy: https://spendlapp.github.io/spendl/#privacy Support: https://spendlapp.github.io/spendl/#contact