# Debit & Credit vs Spending Tracker

The clearest difference is ratings volume: Debit & Credit at 2.4K against Spending Tracker's 1. Debit & Credit also leads on device support (4 vs 2). Spending Tracker's advantage is rating (5.0 vs 4.8) and update cadence (weekly vs every 3 weeks). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Debit & Credit sells 3 in-app purchases, starting at $19.99 per year and Spending Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Spending Tracker holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Debit & Credit has 2.4K ratings behind it against 1, 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 100% of Spending Tracker's.

Debit & Credit ships an update every 3 weeks, Spending Tracker weekly. The most recent releases landed on November 11, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Debit & Credit | Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (2.4K ratings)](https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/spending-tracker-bux/id6746102667/reviews)** |
| Number of ratings | **2.4K** | 1 |
| Positive reviews | 89.4% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 30 MB | 26 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Ivan Pavlov Pty Ltd](https://appshunter.io/developer/375311513) | [FELIPE LINCOLN](https://appshunter.io/developer/1815161114) |

## 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


### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-bux/id6746102667)

Easily organize bills, track expenses, and manage your budget with this lightweight money manager. Log income and expenses, set up recurring transactions, and gain insights into your spending habits. Export your data to a spreadsheet for further analysis.

**Highlights:** Track Apple Pay transactions, Expense and income logging, Recurring transaction setup, Category management, Data export to spreadsheet, Offline functionality, Monthly spending summaries

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Lifetime Access | $9.99 | one-time |


## Frequently asked questions

### Is Debit & Credit free?

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

### Is Spending Tracker free?

Spending Tracker is free to download, with in-app purchases available.

### Which has better reviews, Debit & Credit or Spending Tracker?

Spending Tracker is rated higher. Debit & Credit averages 4.8 out of 5 from 2.4K ratings, while Spending Tracker averages 5.0 from 1 ratings.

### Do Debit & Credit or Spending Tracker have ads?

Neither Debit & Credit nor Spending Tracker shows ads.

### Which is updated more often, Debit & Credit or Spending Tracker?

Debit & Credit ships an update every 3 weeks, and Spending Tracker weekly. Most recently, Debit & Credit was updated on November 11, 2026 and Spending Tracker on October 30, 2026.

---

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