Debit & Credit vs Simple Register
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
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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.
Simple Register
This app provides a digital checkbook register for tracking personal finances. It allows users to quickly record transactions, manage bills, and reconcile statements without connecting to bank accounts. Designed for privacy, it offers local-only mode and optional biometric security.
- Digital checkbook register
- Record payments, deposits, checks, transfers
- Bill planning and reminders
- Statement reconciliation
- Multiple register support
- Data export to CSV/PDF
- Optional biometric security
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Your checkbook register, exactly as you remember it. Simple Register brings the familiar paper checkbook register to your Apple devices. Open it, enter a transaction, see your balance, and close it. No bank connections, no complicated budgeting system, and no subscription. TRY IT FREE FOR 7 DAYS New customers can start a seven-day free trial with every feature. After the trial, unlock permanently with one purchase: US $9.99, with local pricing shown in the app. There is no subscription or automatic charge. Your existing records stay available to read and export after the trial. Customers who already own the paid app keep full access at no additional charge. FAST, FAMILIAR ENTRY • Record payments, deposits, checks, and transfers • Type 1254 and Simple Register enters $12.54 • A type-ahead payee list as you type, built from your own history • Save an entry and immediately add another • See your running and cleared balances at a glance • Move an entry to a different register when it landed in the wrong one RECONCILE WITH CONFIDENCE Enter your statement balance, check off cleared transactions, and watch the difference reach zero. Simple Register never changes your transaction amounts just from checking them off. Found something you forgot to enter, or a mistyped amount, while matching your statement? Add or fix it without losing your place — and if you need to step away, your checked items and statement amount are still there when you come back. SCHEDULED, ON ONE CALENDAR Set up anything that repeats — a paycheck, the mortgage, a bill whose exact amount isn't known yet — and see every register's upcoming entries on one monthly calendar. An entry that should post itself does; one you'd rather confirm yourself shows as a reminder until you say it's handled, or until a matching payment checks it off on its own. BIG ORDERS, HANDLED Enter a large order once at its full total — even if the bank bills it as several separate charges. List each charge under the entry as it posts, check them off one by one, and reconcile against your statement exactly the way the bank sees it. MADE FOR HOUSEHOLDS Keep as many registers as your household needs — checking, savings, a credit card, vacation fund, gift money — each with its own column labels so a savings register and a card balance never look like a checkbook. Transfers record both sides automatically and stay linked, and every entry shows who added it. YOUR REGISTER, YOUR STYLE Choose from familiar checkbook-inspired covers and ledger styles while keeping every number clear and readable. PRIVATE BY DESIGN • No bank logins • No Plaid or financial account linking • No ads • No analytics • No Simple Register account • Optional local-only mode • Optional Face ID, Touch ID, or passcode protection YOUR DATA STAYS USEFUL Export your register to CSV or PDF whenever you need it. Edit history and Recently Deleted help protect you from mistakes. BUILT FOR APPLE DEVICES Use Simple Register on iPhone, iPad, and Mac, with your private iCloud keeping your registers in step across your devices. Simple Register is for people who want to track their money themselves — without handing their financial history to another service. If you'd like to support development, an entirely optional one-time tip is available from Settings & Privacy — it never changes what the app unlocks.
Screenshots
Verdict
The clearest difference is ratings volume: Debit & Credit at 2.4K against Simple Register's 11. Debit & Credit also leads on monetization model (free with in-app purchases vs paid) and chart position (#184 vs unranked). Simple Register's advantage is rating (5.0 vs 4.8) and review sentiment (100% vs 89%). On price, update cadence, ads and in-app purchases 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 Simple Register sells 5 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Simple Register 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 11, 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 Simple Register's.
Debit & Credit ships an update every 3 weeks, Simple Register every 2 weeks. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.
| Parameter | Debit & Credit | Simple Register |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (2.4K ratings) | 5.0 (11 ratings) — better |
| Positive reviews | 89.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 2.4K — better | 11 |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases — better | Paid |
| Best chart rank | #184 — better | — |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad, Mac |
| Requires iOS | 15.0 — better | 26.5 |
| Further details — not scored | ||
| Size | 30 MB | 14 MB |
| Age rating | 4+ | 4+ |
| Developer | Ivan Pavlov Pty Ltd | Jennifer Hendrickson |
Customer experience
Debit & Credit
Simple Register
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
Simple Register
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
Simple Register
- 7-day TrialFree
- Small Tip$1.99
- Medium Tip$4.99
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- Full Unlock$9.99
- Generous Tip$9.99
Questions
Is Debit & Credit free?
Is Simple Register free?
Which has better reviews, Debit & Credit or Simple Register?
Do Debit & Credit or Simple Register have ads?
Which is updated more often, Debit & Credit or Simple Register?
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