# Debit & Credit vs Billfold

The clearest difference is device support: Debit & Credit at 4 against Billfold's 2. On price, update cadence, 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 Billfold sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Debit & Credit ships an update every 3 weeks, Billfold every 2 weeks. The most recent releases landed on November 11, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Debit & Credit | Billfold |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2.4K ratings)](https://appshunter.io/ios/app/debit-and-credit/id882637543/reviews)** | — |
| Number of ratings | **2.4K** | — |
| Positive reviews | 89.4% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 30 MB | 59 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) | [sandeep kumar pandey](https://appshunter.io/developer/1882915907) |

## 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


### Billfold

[App page](https://appshunter.io/ios/app/billfold/id6760434024)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Billfold Pro Monthly | $2.99 | per month |
| Billfold Pro Annual | $19.99 | per year |


## Frequently asked questions

### Is Debit & Credit free?

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

### Is Billfold free?

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

### Do Debit & Credit or Billfold have ads?

Neither Debit & Credit nor Billfold shows ads.

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

Debit & Credit ships an update every 3 weeks, and Billfold every 2 weeks. Most recently, Debit & Credit was updated on November 11, 2026 and Billfold on November 5, 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.*