Debit & Credit vs Flowt
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
Read full descriptionHide full description
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.
Flowt
Easily track shared expenses and manage household budgets with friends, partners, or roommates. Automate expense splitting, scan receipts with AI, and visualize your spending habits to keep finances clear and avoid awkward money talks.
- Track shared and personal expenses
- Split costs 50/50 or custom
- AI-powered receipt scanning
- Monthly spending charts by category
- Budget limits with visual indicators
- Create budget spaces for groups
Read full descriptionHide full description
Flowt is a shared expense tracker and household budget app for couples, roommates, trips, and groups - no more spreadsheets, awkward money talks, or forgotten IOUs. Whether you are splitting rent, groceries, utilities, dinner, or a weekend trip, Flowt keeps every expense organised and the balance crystal clear. TRACK TOGETHER - Add shared or personal expenses in seconds - Split costs 50/50 or set a custom split - See exactly who paid what and who owes what - Settle up with one tap - balance resets automatically SCAN & GO - Point your camera at any receipt - AI reads it for you - Categories, amounts, and dates auto-filled - Review and confirm before saving - No more manual entry for grocery runs UNDERSTAND YOUR MONEY - Monthly spending charts by category - Shared vs. personal expense breakdown - Budget limits per category with visual indicators - Full transaction history with smart search BUILT FOR SHARED LIFE - Create Budget Spaces for couples, roommates, households, or trips - Invite people by email or join code - Keep shared and personal spending clear in one ledger - Use Face ID / Touch ID for quick, secure access FLOWT PRO - Unlock advanced features with a Flowt Pro subscription - AI-powered receipt scanning — point your camera, expenses auto-fill - Full spending analytics: category explorer, 3/6/12-month trends, and spending pace - Month-over-month comparisons to see where your money is going - Available monthly, yearly, or as a one-time lifetime purchase - All purchases managed securely through Apple's In-App Purchase system PRIVACY Your financial data is stored securely and never sold or shared with third parties. See our full privacy policy at https://useflowt.app/flowt-privacy.html TERMS OF USE/SERVICE https://useflowt.app/terms.html
Screenshots
Verdict
The clearest difference is chart position: Debit & Credit at #193 against Flowt's unranked. Debit & Credit also leads on device support (4 vs 2). Flowt's advantage is update cadence (every 8 days vs every 3 weeks) and review sentiment (100% vs 89%). On price, ads, in-app purchases and monetization model 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
Both are free to download. Debit & Credit sells 3 in-app purchases, starting at $19.99 per year and Flowt sells 3 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.
Debit & Credit ships an update every 3 weeks, Flowt every 8 days. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.
| Parameter | Debit & Credit | Flowt |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (2.4K ratings) — better | — |
| Positive reviews | 89.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 2.4K — better | — |
| Update frequency | Every 3 weeks | Every 8 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | #193 — better | — |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 30 MB | 46 MB |
| Age rating | 4+ | 4+ |
| Developer | Ivan Pavlov Pty Ltd | Zhenghan Yong |
Customer experience
Debit & Credit
Flowt
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
Flowt
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
Flowt
- Flowt Pro Monthly$9.991 Month
- Flowt Pro Yearly$79.991 Year
- Flowt Pro Lifetime$69.99
Questions
Is Debit & Credit free?
Is Flowt free?
Do Debit & Credit or Flowt have ads?
Which is updated more often, Debit & Credit or Flowt?
Other comparisons















