Debit & Credit vs Smart Expense Control

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.

Smart Expense Control is the definitive tool for anyone looking to manage personal finances with precision, speed, and maximum security. Designed to be intuitive and powerful, it lets you understand exactly where your money goes, how much you have until next payday, and what your cards and debts are charging you — all in one app, with no ads and nothing sent to the cloud. PAY PERIODS AND LIVE BALANCE - Configure your schedule: monthly, biweekly with custom days, or weekly. - See your current period's income, outflow, and net balance in the Dashboard. - Compare past periods to spot trends. COMPLETE PAYMENT METHODS - Cash, debit, and credit cards with configurable closing and due days. - Every expense knows which method was used. - Credit cards show pending statement, what to pay at due date, and credit limit usage. RECURRING OBLIGATIONS WITH HISTORY - Create templates for electricity, internet, rent, subscriptions, etc. - Each month the obligation is auto-generated; when paid it's recorded forever. - Browse month-by-month history: when you paid, how much, and which you skipped. DEBTS WITH INSTALLMENT PLANS - Register loans or personal credits with starting amount, monthly interest, and installment count. - The app computes the fixed installment; or enter the installment and the app computes the interest rate. - Track progress, installments paid, remaining balance, and percentage cleared. SAVINGS GOALS - Define goals with a target amount, register deposits, and watch progress on a clear bar. - Also works without a target when you just want to accumulate. AUTOMATIC FIXED COSTS - Maintenance fees, insurance, and other recurring charges are generated automatically every period. - They appear on the card statement or as a period expense, as appropriate. SMART TRANSACTION EDITOR - Tap any movement in history to edit it. - The app explains what your change affects: period balance, pending statement, debt balance, savings progress. - Safe deletion with contextual confirmation; obligations are automatically marked pending again. MULTI-DIMENSIONAL CATEGORIZATION - Classic categories (Food, Transport, Home, Health, etc.) and social contexts (Solo, Partner, Family, Work, Travel, etc.). - Powerful history filters by type, category, context, and payment method. SMART INSIGHTS - Alerts when a category grows more than 15 % vs. last month. - Warnings if a card will exceed your available balance. - Reminders when an obligation is overdue. - Indicator when you've spent over 80 % of the period's income. TOTAL PRIVACY AND SECURITY - All your data lives only on your iPhone with SwiftData. - Lock with Face ID or Touch ID. - AES-256 encrypted backup: export everything to a file and restore whenever you want. ELEGANT VISUALIZATIONS - Swift Charts: spending by day and by week, breakdown by category, top contexts. VISUAL PICKERS - Choose icons from a gallery organized by category (money, home, transport, health, etc.). - Pick colors from a wide palette or enter a custom one. DESIGNED FOR IOS 26 - Native interface with the latest tab API, smooth animations, and iPad support. - Multi-language: Spanish with regional variants (Mexico, Argentina, Colombia, Latin America) and English. No subscriptions, no ads, no external accounts. Just you and your finances.