Debit & Credit vs Simple Checkbook.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- All accounts in one app
- Apple Card integration
- Fast transaction entry
- Budgets and scheduled transactions
- Financial planning
- Detailed reports
- iCloud sync
- Shared accounts
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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.
Simple Checkbook.
Manage your personal finances with this straightforward checkbook application. Track multiple accounts, log detailed transactions, and visualize your spending habits with insightful charts. Sync your data seamlessly across devices via iCloud.
- Multiple account management
- Detailed transaction logging
- Transaction clearing status
- Balance tracking
- Transaction filtering
- Expense/income charts
- iCloud sync
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A simple checkbook to help organize your finances. Features: - Keep track of any number of accounts. - For each transaction, track the date, name, type, amount, check number, category, and notes. - Mark transactions as cleared. - Displays cleared, outstanding, and current balance. - Ability to filter transactions displayed. - Display charts for expenses or income by category. - Syncs to iCloud
Screenshots
Verdict
The clearest difference is price: Debit & Credit at Free against Simple Checkbook.'s $3.99. Debit & Credit also leads on rating (4.8 vs 4.0) and review sentiment (89% vs 50%). Simple Checkbook.'s advantage is in-app purchases (none vs 3) and chart position (#40 vs unranked). On update cadence and ads 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
Debit & Credit is free to download; Simple Checkbook. costs $3.99 up front. Debit & Credit sells 3 in-app purchases, starting at $19.99 per year. Simple Checkbook. asks for nothing beyond the download.
Debit & Credit holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Debit & Credit has 2.4K ratings behind it against 4, 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 50% of Simple Checkbook.'s.
Debit & Credit ships an update every 3 weeks, Simple Checkbook. fortnightly. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.
| Parameter | Debit & Credit | Simple Checkbook. |
|---|---|---|
| Price | Free — better | $3.99 |
| Rating | 4.8 (2.4K ratings) — better | 4.0 (4 ratings) |
| Positive reviews | 89.4% of reviews — better | 50.0% of reviews |
| Number of ratings | 2.4K — better | 4 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases — better | Paid |
| Best chart rank | — | #40 — better |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 30 MB | 3 MB |
| Age rating | 4+ | 4+ |
| Developer | Ivan Pavlov Pty Ltd | Matthew Hiles |
Customer experience
Debit & Credit
Simple Checkbook.
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
Simple Checkbook.
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Debit & Credit
- Premium Version$19.991 Year
- Premium Version1 Year trial$19.991 Year
- Premium Version7 Days trial$19.991 Year
Simple Checkbook.
No in-app purchases
Questions
Is Debit & Credit free?
Is Simple Checkbook. free?
Which has better reviews, Debit & Credit or Simple Checkbook.?
Do Debit & Credit or Simple Checkbook. have ads?
Which is updated more often, Debit & Credit or Simple Checkbook.?
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