Comparison

Credit.com vs Steps Budget Tracker

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

Head to head
About

Credit.com

Manage your credit with a redesigned interface. Check your credit score and report summary for free, track factors affecting your credit, and receive personalized insights to improve your financial future. Monitor score changes and get actionable steps for improvement, all while protecting your data.

Highlights
  • Free credit score and report summary
  • Track credit score changes
  • Personalized insights for financial improvement
  • Monitor for fraud and identity theft
  • View credit offer eligibility
  • Score history tracking
Features
Read full description

Discover the brand-new Credit.com app—now with a completely redesigned interface to make managing your credit simpler, smarter, and more secure. Check your credit score and report summary for free, track what’s impacting your credit, and get personalized insights to help you build a stronger financial future. Updates every 14 days let you see how your score changes over time, while our tools and resources give you actionable steps to improve. Best of all, using the Credit.com app won’t hurt your score, and your data is protected at every step by industry-leading security. TRACK YOUR SCORES • Get your free credit score and credit report snapshot • Monitor updates every 14 days to stay on top of changes • Spot potential fraud or identity theft early • Watch your score history to see your progress GET PERSONALIZED OFFERS • See which credit cards, loans, or other products you’re more likely to qualify for • Compare offers matched to your unique credit standing—before you apply With a refreshed design, intuitive navigation, and trusted tools, the Credit.com app makes it easier than ever to take control of your credit.

About

Steps Budget Tracker

Manage your money effortlessly with this intuitive personal budget app. Log income and expenses, scan receipts with AI, and visualize spending patterns with powerful analytics. Set budget goals and receive personalized financial advice.

Highlights
  • Transaction logging
  • AI receipt scanning
  • Spending analytics
  • Multiple account management
  • Budget goal setting
  • AI financial advisor
  • Data export
Features
Read full description

Take control of your finances with Steps Budget Tracker, the beautifully designed personal budget app that makes money management simple and intuitive. Track Every Transaction Easily log your income and expenses with our streamlined interface. Categorize spending, add notes, and attach receipt photos for complete financial records. Smart Receipt Scanning Snap a photo of any receipt and let our AI automatically extract the merchant, amount, and date. No more manual data entry. Powerful Analytics Visualize your spending patterns with interactive charts. See where your money goes each month and identify opportunities to save. Multiple Accounts Manage all your financial accounts in one place - checking, savings, credit cards, and cash. Budget Goals Set monthly budgets for each spending category and track your progress. AI Financial Advisor Get personalized insights and recommendations from our built-in AI advisor. Export Your Data Download your transaction history as CSV files anytime.

Screenshots

Credit.com4 screens
Steps Budget Tracker4 screens

Verdict

The call

The clearest difference is review sentiment: Steps Budget Tracker at 100% against Credit.com's 33%. Steps Budget Tracker also leads on ads (none vs shown) and rating (5.0 vs 4.7). Credit.com's advantage is price (Free vs $4.99) and ratings volume (7.2K vs 1). On in-app purchases and device support 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

Credit.com is free to download; Steps Budget Tracker costs $4.99 up front. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Steps Budget Tracker holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Credit.com has 7.2K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 33% of Credit.com's written reviews are positive against 100% of Steps Budget Tracker's.

Scorecard7 real differences · 3 level
Credit.com versus Steps Budget Tracker: the parameters behind the verdict, then further details
ParameterCredit.comSteps Budget Tracker
PriceFree — better$4.99
Rating4.7 (7.2K ratings)5.0 (1 ratings) — better
Positive reviews33.0% of reviews100.0% of reviews — better
Number of ratings7.2K — better1
Update frequencyEvery 2 months—
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases — betterPaid
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13 — better15.1
Further details — not scored
Size12 MB36 MB
Age rating4+4+
DeveloperCredit.comMICHAEL OLAITAN ADEBAYO

Customer experience

Credit.com

All ratings7,239 ratings
Positive93.0%
Neutral2.8%
Negative4.2%
Written reviews100 reviews
Positive33.0%
Neutral10.0%
Negative57.0%

Steps Budget Tracker

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Credit.com

Reported bugs

3 issues
  • Unable to login or create an account
  • App freezes or stops working after updates
  • Inconsistent credit score updates

Requested features

3 requests
  • Fingerprint/biometric login
  • More detailed credit report information
  • Ability to dispute inaccuracies directly in the app

Steps Budget Tracker

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Credit.com

No in-app purchases

None

Steps Budget Tracker

No in-app purchases

Questions

Is Credit.com free?
Credit.com is free to download, with no in-app purchases.
Is Steps Budget Tracker free?
Steps Budget Tracker costs $4.99, with no in-app purchases.
Which has better reviews, Credit.com or Steps Budget Tracker?
Steps Budget Tracker is rated higher. Credit.com averages 4.7 out of 5 from 7.2K ratings, while Steps Budget Tracker averages 5.0 from 1 ratings.
Do Credit.com or Steps Budget Tracker have ads?
Credit.com shows ads; Steps Budget Tracker does not.

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