# DebtShore vs Own Ledger

The clearest difference is in-app purchases: DebtShore at none against Own Ledger's 2. Own Ledger's advantage is iOS requirement (15.1 vs 17.0). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Own Ledger sells 2 in-app purchases, starting at $4.99 per month. DebtShore asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for DebtShore against 5.0 for Own Ledger. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

DebtShore ships an update every 11 days, Own Ledger weekly. The most recent releases landed on October 31, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | DebtShore | Own Ledger |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/debtshore/id6769247045/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/own-ledger/id6806759517/reviews) |
| Number of ratings | 1 | **2** |
| Positive reviews | 83.3% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 11 days | **Weekly** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 83 MB | 53 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [朋飞 王](https://appshunter.io/developer/1896641082) | [DRAVEX LLC](https://appshunter.io/developer/6792207279) |

## What reviewers say

### DebtShore

[App page](https://appshunter.io/ios/app/debtshore/id6769247045)

Organize and track all your personal debts, from loans and credit cards to installments. Set repayment plans, receive payment reminders, and visualize your progress with a clean, calming interface. This tool helps you stay on top of your financial obligations.

**Highlights:** Debt tracking for loans, credit cards, and installments, Customizable repayment plans, Payment reminders for upcoming due dates, Progress overview of total debt and paid amounts, Clean and simple user interface, Multi-language support

**In-app purchases:** none


### Own Ledger

[App page](https://appshunter.io/ios/app/own-ledger/id6806759517)

Manage your personal finances offline with this secure tracker. Record income and expenses, import files, and back up your data locally or to Google Drive. Upgrade for advanced features like unlimited accounts, forecasting, and custom reports.

**Highlights:** Offline-first personal finance tracking, Record income and expenses, Import files with preview, Local and Google Drive backups, Unlimited accounts and categories (Plus), Forecasting and custom reports (Plus)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Own Ledger Plus Monthly | $4.99 | per month |
| Own Ledger Plus Annual | $39.99 | per year |


## Frequently asked questions

### Is DebtShore free?

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

### Is Own Ledger free?

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

### Which has better reviews, DebtShore or Own Ledger?

DebtShore and Own Ledger are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.

### Do DebtShore or Own Ledger have ads?

Neither DebtShore nor Own Ledger shows ads.

### Which is updated more often, DebtShore or Own Ledger?

DebtShore ships an update every 11 days, and Own Ledger weekly. Most recently, DebtShore was updated on October 31, 2026 and Own Ledger on October 24, 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.*