# Debit & Credit vs Monies Expense Tracker

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.

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.

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.

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.

## The numbers

| Metric | Debit & Credit | Monies Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2.4K ratings)](https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews)** | [4.5 (8 ratings)](https://appshunter.io/ios/app/monies-expense-tracker/id1637367459/reviews) |
| Number of ratings | **2.4K** | 8 |
| Positive reviews | **89.4% of reviews** | 87.5% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 12 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 30 MB | 2 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod, Apple Watch | iPhone, iPad, iPod, Mac |
| Age rating | 4+ | 4+ |
| Developer | [Ivan Pavlov Pty Ltd](https://appshunter.io/developer/375311513) | [And a Dinosaur](https://appshunter.io/developer/475577301) |

## What reviewers say

### Debit & Credit

[App page](https://appshunter.io/ios/app/debit-and-credit/id882637543)

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:** Family Sharing, Siri integration, Apple Watch app

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |
| Premium Version | $19.99 | per year |

**What reviewers like**

- 🚀 Great app
- 👍 Simple and easy to use
- 🔒 Secure and private
- 💻 Seamless sync between devices
- 📊 Excellent budgeting and reporting features

**What reviewers complain about**

- 🐛 Occasional bugs and glitches
- 💰 Subscription model may be costly for some
- 🔍 Limited customization options
- 📅 Lack of advanced scheduling and forecasting

**Reported bugs**

- Duplication of transactions
- Syncing issues between devices
- Incorrect account balances

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/monies-expense-tracker/id1637367459)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Tip | $0.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*