# Debt & IOU Tracker vs My Envelope

The clearest difference is update cadence: Debt & IOU Tracker at every 4 days against My Envelope's monthly. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Debt & IOU Tracker sells 4 in-app purchases, starting at $9.99 per 7 days and My Envelope sells 1 in-app purchase, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Debt & IOU Tracker ships an update every 4 days, My Envelope monthly. The most recent releases landed on October 31, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Debt & IOU Tracker | My Envelope |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Monthly |
| Size | 17 MB | 68 MB |
| Requires iOS | 17.0 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [DIJITAL PILOT REKLAM SANAYI TICARET LIMITED SIRKETI](https://appshunter.io/developer/1881304693) | [Tugba KAHRAMAN](https://appshunter.io/developer/1896074225) |

## What reviewers say

### Debt & IOU Tracker

[App page](https://appshunter.io/ios/app/debt-and-iou-tracker-borc/id6775508370)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Premium | $9.99 | per 7 days |
| Monthly Premium | $19.99 | per month |
| Yearly Premium | $39.99 | per year |
| Lifetime Premium | $39.99 | one-time |


### My Envelope

[App page](https://appshunter.io/ios/app/my-envelope-budget-tracker/id6792155244)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zarfım Premium | $1.99 | per month |


## Frequently asked questions

### Is Debt & IOU Tracker free?

Debt & IOU Tracker is free to download, with in-app purchases available.

### Is My Envelope free?

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

### Do Debt & IOU Tracker or My Envelope have ads?

Neither Debt & IOU Tracker nor My Envelope shows ads.

### Which is updated more often, Debt & IOU Tracker or My Envelope?

Debt & IOU Tracker ships an update every 4 days, and My Envelope monthly. Most recently, Debt & IOU Tracker was updated on October 31, 2026 and My Envelope on November 7, 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.*