Comparison

Debit & Credit vs Monies Expense Tracker

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

Head to head
About

Debit & Credit

Manage all your finances in one place with this intuitive personal finance app. Track spending, create budgets, and plan for the future with automatic transaction import and detailed reports. Syncs across devices and offers shared account management.

Highlights
  • All accounts in one app
  • Apple Card integration
  • Fast transaction entry
  • Budgets and scheduled transactions
  • Financial planning
  • Detailed reports
  • iCloud sync
  • Shared accounts
Features
Read full description

If you are looking for a personal finance app that is convenient, easy to use and at the same time has enough features, then Debit & Credit is the right app for you. • All Accounts in One App Keeping financial records was always a bit of a hassle. But now you can actually enjoy it. See all your accounts in one place and switch between them with one simple touch. • Integration with Apple Card, Apple Cash, and Apple Savings Get your transactions from Apple Card automatically imported into the app. Debit & Credit will help you to automatically categorize them using import rules. • Super Fast Creating a new transaction now takes a matter of seconds. It has never been easier with gestures and other features that we developed for you. And we will never require you to make dozens of unnecessary taps to accomplish simple tasks. • Locations (Geotagging) Shopping frequently at the same place? Save its location to record expenses even faster. You can also get a list of saved payees sorted by distance. • Budgets & Scheduled Transactions Do you want to budget expenses on a particular category? No problems. Do you plan to make a transaction in the future and want to be reminded about it? Consider it done. • Financial Plans Plan ahead by creating a financial plan for the next year. Compare your performance against it and see your future net wealth. • Reports We believe in clean, crisp reports that are easy to read and understand. See where and what do you spend your money on. Other types of reports are available too. • iCloud Sync We will never ask you to create an account or provide any personal details. All data is stored in iCloud, it is not available to anyone except you. • Shared Accounts Do you want to share some of your accounts with someone else? No problems, you can share selected accounts via iCloud while keeping other accounts private. Great for managing family finances! • Bank reconciliation mode Sometimes we all need extra help to keep our accounts in shape. You can easily reconcile your accounts with bank statements in the app to eliminate any disparities. • Importing data We know how important it is to be able to import transactions from your financial institutions. That's why we support CSV, QIF, QMTF, OFX and QFX files. And you can also choose which particular transactions to import from a file, something that not all financial apps know how to do. • Watch App Create new transactions on the go with the Apple Watch app. You can also check your budgets and pay scheduled transactions with it. • Powerful features Split categories, pending transactions, URL schemes, file attachments, transaction tags, Siri, Touch ID and Face ID support, printing reports and saving them as PDF files - all those and many other features are at your disposal when you need them. • Mac version of the app You can download macOS version of the app on the Mac App Store. It has even more features and syncs fast with the iOS companion via iCloud. Some features are limited to premium version subscribers. Premium version is an annual subscription. Our privacy policy, as well as subscription terms are available at https://debitandcredit.app/privacy-policy-with-terms.html. In case of any questions please don't hesitate to contact support@debitandcreditapp.com.

About

Monies Expense Tracker

This simple expense tracker mimics a spreadsheet interface for quick entry and deletion of financial items. It offers iCloud syncing for iPhone and iPad users, with no advanced features like bank linking or charts.

Highlights
  • Spreadsheet-like interface
  • Quick item entry
  • Easy item deletion
  • iCloud syncing
  • Available on iPhone and iPad
Read full description

Monies is a very basic expense tracker app I made for my wife. It looks like a spreadsheet because she’d been using a spreadsheet to track her expenses. But it’s like a spreadsheet on… whatever the opposite of steroids is. The whole point of the interface is to let you add items quickly. Just tap anywhere to start editing, then tap next on the keyboard to jump to the next cell. To delete an item, just clear its price and name, then tap Save. There are no fancy features like linking bank accounts, charts, or even a settings screen. It is available for free on iPhone and iPad, and it syncs via iCloud. I hope you find it useful.

Screenshots

Debit & Credit4 screens
Monies Expense Tracker2 screens

Verdict

The call

The clearest difference is update cadence: Debit & Credit at every 3 weeks against Monies Expense Tracker's every 12 months. Debit & Credit also leads on ratings volume (2.4K vs 8) and rating (4.8 vs 4.5). Monies Expense Tracker's advantage is monetization model (free vs free with in-app purchases). 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. Debit & Credit sells 3 in-app purchases, starting at $19.99 per year and Monies Expense Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debit & Credit holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Debit & Credit has 2.4K ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 89% of Debit & Credit's written reviews are positive against 88% of Monies Expense Tracker's.

UpkeepUpdate frequency

Debit & Credit ships an update every 3 weeks, Monies Expense Tracker every 12 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
Debit & Credit versus Monies Expense Tracker: the parameters behind the verdict, then further details
ParameterDebit & CreditMonies Expense Tracker
PriceFreeFree
Rating4.8 (2.4K ratings) — better4.5 (8 ratings)
Positive reviews89.4% of reviews — better87.5% of reviews
Number of ratings2.4K — better8
Update frequencyEvery 3 weeks — betterEvery 12 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod, Apple WatchiPhone, iPad, iPod, Mac
Requires iOS15.015.0
Further details — not scored
Size30 MB2 MB
Age rating4+4+
DeveloperIvan Pavlov Pty LtdAnd a Dinosaur

Customer experience

Debit & Credit

All ratings2,405 ratings
Positive95.4%
Neutral2.7%
Negative1.9%
Written reviews396 reviews
Positive89.4%
Neutral5.8%
Negative4.8%

Monies Expense Tracker

All ratings8 ratings
Positive87.5%
Neutral12.5%
Negative0.0%
Written reviews8 reviews
Positive87.5%
Neutral12.5%
Negative0.0%

Bugs and requests

Debit & Credit

Reported bugs

3 issues
  • Duplication of transactions
  • Syncing issues between devices
  • Incorrect account balances

Requested features

4 requests
  • Ability to track cryptocurrency transactions
  • Option to view uncleared and cleared balances separately
  • More detailed budget and spending visualizations
  • Improved shared account management

Monies Expense Tracker

Not enough reviews yet to summarise bugs or requests.

In-app purchases

3 purchases

Debit & Credit

Subscriptions3
  • Premium Version$19.991 Year
  • Premium Version1 Year trial$19.991 Year
  • Premium Version7 Days trial$19.991 Year
1 purchases

Monies Expense Tracker

One-time1
  • Tip$0.99

Questions

Is Debit & Credit free?
Debit & Credit is free to download, with in-app purchases available.
Is Monies Expense Tracker free?
Monies Expense Tracker is free to download, with in-app purchases available.
Which has better reviews, Debit & Credit or Monies Expense Tracker?
Debit & Credit is rated higher. Debit & Credit averages 4.8 out of 5 from 2.4K ratings, while Monies Expense Tracker averages 4.5 from 8 ratings.
Do Debit & Credit or Monies Expense Tracker have ads?
Neither Debit & Credit nor Monies Expense Tracker shows ads.
Which is updated more often, Debit & Credit or Monies Expense Tracker?
Debit & Credit ships an update every 3 weeks, and Monies Expense Tracker every 12 months. Most recently, Debit & Credit was updated on November 1, 2026 and Monies Expense Tracker on November 3, 2026.

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