Comparison

DebtTracker vs Graph

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

Head to head
About

DebtTracker

Easily track who owes you money and who you owe. Log loans, record payments, and get reminders for due dates. Keep all your IOUs and personal loan details in a private ledger without needing an account or subscription.

Highlights
  • Track lent and borrowed money
  • Record partial payments
  • Set due dates and get reminders
  • Send payment reminders
  • Settle in full with one tap
  • Private ledger with no account
  • Backup and restore functionality
Features
Read full description

Who owes you money — and who do you owe? DebtTracker keeps every IOU, personal loan and repayment in one private ledger. No account. No subscription. No ads. Lent a friend cash for concert tickets? Borrowed from family to cover rent? Log it in seconds, record partial payments as they come in, and get a reminder before the due date. When it's paid off, settle it with one tap. WHAT YOU CAN DO • Track money you lent and money you borrowed, person by person • See each person's net balance at a glance • Record partial payments and installments • Edit any entry, any time • Set due dates and get reminder notifications • Send a payment reminder in a friendly, polite or firm tone via Messages, WhatsApp or any app • Settle in full with one tap, then share a "Paid in full" receipt image • Attach receipt photos to a record • Swipe actions and recent-people quick picks for fast entry YOUR DATA STAYS YOURS • No account, no sign-up • Your records stay on your iPhone • Face ID lock • Full backup & restore to a file in Files or iCloud Drive — free for everyone, so a new phone never means lost records • CSV export FREE • Up to 5 open records • Partial payments, due-date reminders and reminder messages • Backup & restore, CSV export, Face ID and dark mode PRO — ONE-TIME PURCHASE • Unlimited records • Analytics studio: cash flow, 12-month balance history, collection rate, categories and overdue aging • Payoff planner built around your monthly budget • PDF and image statements for each person • 6 custom app icons • All future PRO features included Try PRO free for 7 days. Then pay once and it's yours — no subscription, no renewals. GREAT FOR • Friends who lend each other money • Roommates splitting rent and bills • Family loans and advances • Anyone who wants a simple, private IOU book Download DebtTracker and always know where every loan stands.

About

Graph

Easily log and visualize your financial and personal data with smart charts. Track net worth, sales, weight, and more with simple input and customizable views. Data is private and stored only on your device.

Highlights
  • Log net worth, sales, weight, and more
  • Create custom graphs with user-defined axes
  • Two-tap data entry with automatic units and dates
  • Line or bar charts with daily, weekly, monthly, yearly views
  • View highs, lows, averages, and changes
  • Edit history and export data to CSV
  • Private by design, data stored locally
Features
Read full description

Input is simple. Graphs are smart. Graph turns the numbers you type into clean, beautiful charts, with two taps. Log net worth, weight, blood pressure, body temperature, savings, income, study hours, sales… anything you want to keep an eye on. TRACK WHAT MATTERS Pick a preset or build your own graph with custom axes and units. “Sales by product” or “satisfaction by plan” are as easy as weight. TWO-TAP ENTRY Tap “+” on any graph, enter the number, save. Units and dates are automatic. SMART CHARTS Line or bar charts with daily, weekly, monthly or yearly views. See highs, lows, averages and changes at a glance. Edit your history and export to CSV any time. PRIVATE BY DESIGN No bank or brokerage linking, no accounts, no ads, no tracking. The developer can’t see your data. It’s stored only on your device. FREE TO START Free to use with no ads: up to 3 graphs and 12 entries per graph. To remove the limits, choose the Supporter plan (yearly, auto-renewing subscription) or a one-time purchase (pay once, no renewal). Paid plans also include CSV export and saving or sharing graphs as images. Weight, temperature and blood pressure numbers are for your own records only. Graph is not a medical device and gives no medical advice. Terms of Use (EULA): https://pohoda.jp/en/legal/terms.html Privacy Policy: https://pohoda.jp/en/legal/privacy.html

Screenshots

DebtTracker4 screens
Graph4 screens

Verdict

The call

The clearest difference is update cadence: Graph at every 3 days against DebtTracker's every 2 weeks. Graph also leads on iOS requirement (17.0 vs 26.2). On price, review sentiment, ads and in-app purchases 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. DebtTracker sells 1 one-off in-app purchase and Graph sells 2 in-app purchases, starting at $1.99 per year. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

DebtTracker ships an update every 2 weeks, Graph every 3 days. The most recent releases landed on October 14, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 6 level
DebtTracker versus Graph: the parameters behind the verdict, then further details
ParameterDebtTrackerGraph
PriceFreeFree
Positive reviews100.0% of reviews100.0% of reviews
Update frequencyEvery 2 weeksEvery 3 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad — betteriPhone
Requires iOS26.217.0 — better
Further details — not scored
Size16 MB2 MB
Age rating4+4+
DeveloperOsman DoganKeisuke Sugimoto

Customer experience

DebtTracker

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Graph

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

DebtTracker

One-time1
  • DebtTracker Pro – Lifetime$9.99
2 purchases

Graph

Subscriptions1
  • サポーター(年額)$1.991 Year
One-time1
  • 買い切り(全解除)$5.99

Questions

Is DebtTracker free?
DebtTracker is free to download, with in-app purchases available.
Is Graph free?
Graph is free to download, with in-app purchases available.
Do DebtTracker or Graph have ads?
Neither DebtTracker nor Graph shows ads.
Which is updated more often, DebtTracker or Graph?
DebtTracker ships an update every 2 weeks, and Graph every 3 days. Most recently, DebtTracker was updated on October 14, 2026 and Graph on October 25, 2026.

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