# Debit & Credit vs Simple Checkbook.

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.

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.

## The numbers

| Metric | Debit & Credit | Simple Checkbook. |
| --- | --- | --- |
| Price | **Free** | $3.99 |
| Rating | **[4.8 (2.4K ratings)](https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/simple-checkbook/id6742727558/reviews) |
| Number of ratings | **2.4K** | 4 |
| Positive reviews | **89.4% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | **Free with in-app purchases** | Paid |
| Best chart rank | — | **#40** |
| Size | 30 MB | 3 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Ivan Pavlov Pty Ltd](https://appshunter.io/developer/375311513) | [Matthew Hiles](https://appshunter.io/developer/1006499180) |

## 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


### Simple Checkbook.

[App page](https://appshunter.io/ios/app/simple-checkbook/id6742727558)

**Currently charting:** #40 Top Paid · Finance (US App Store)

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.

**Highlights:** Multiple account management, Detailed transaction logging, Transaction clearing status, Balance tracking, Transaction filtering, Expense/income charts, iCloud sync

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

**In-app purchases:** none


## Frequently asked questions

### Is Debit & Credit free?

Debit & Credit is free to download, with in-app purchases available.

### Is Simple Checkbook. free?

Simple Checkbook. costs $3.99, with no in-app purchases.

### Which has better reviews, Debit & Credit or Simple Checkbook.?

Debit & Credit is rated higher. Debit & Credit averages 4.8 out of 5 from 2.4K ratings, while Simple Checkbook. averages 4.0 from 4 ratings.

### Do Debit & Credit or Simple Checkbook. have ads?

Neither Debit & Credit nor Simple Checkbook. shows ads.

### Which is updated more often, Debit & Credit or Simple Checkbook.?

Debit & Credit ships an update every 3 weeks, and Simple Checkbook. fortnightly. Most recently, Debit & Credit was updated on October 26, 2026 and Simple Checkbook. on October 28, 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.*