# Balance Sheet vs Debt Guide

The clearest difference is review sentiment: Debt Guide at 62% against Balance Sheet's 0%. Debt Guide also leads on price (Free vs $0.99) and rating (4.8 vs 1.0). Balance Sheet's advantage is update cadence (every 6 weeks vs every 3 months). On ads, in-app purchases, device support and iOS requirement there is nothing between them.

Debt Guide is free to download; Balance Sheet costs $0.99 up front. Balance Sheet sells 10 one-off in-app purchases and Debt Guide sells 4 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Guide holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: Debt Guide has 49 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of Balance Sheet's written reviews are positive against 62% of Debt Guide's.

Balance Sheet ships an update every 6 weeks, Debt Guide every 3 months. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Balance Sheet | Debt Guide |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | [1.0 (2 ratings)](https://appshunter.io/ios/app/balance-sheet/id901757157/reviews) | **[4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** |
| Number of ratings | 2 | **49** |
| Positive reviews | 0.0% of reviews | **61.5% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 3 months |
| Monetization | Paid | **Freemium** |
| Size | 25 MB | 98 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Manu Gupta](https://appshunter.io/developer/806110625) | [Hussain Mustafa](https://appshunter.io/developer/1247104628) |

## What reviewers say

### Balance Sheet

[App page](https://appshunter.io/ios/app/balance-sheet/id901757157)

This tool helps business owners and financial professionals create and manage financial balance sheets. It offers templates, an easy-to-use spreadsheet interface, and local saving for your financial data. Export your balance sheets as PDF or CSV files for easy sharing.

**Highlights:** Balance sheet templates, Easy spreadsheet entry, Multiple worksheet tabs, Local device saving, Export as PDF/CSV, Email balance sheets, Offline functionality

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Send 10 PDFs | $0.99 | one-time |
| Send 25 PDFs | $0.99 | one-time |
| Save 10 files to Balance Sheet Web Application | $0.99 | one-time |
| Share 10 PDFs via Facebook,Twitter,WhatsApp and SMS | $0.99 | one-time |
| Email 10 PDFs via Gmail | $0.99 | one-time |
| Send 50 PDFs | $2.99 | one-time |
| 10 times Save as, Print and Email | $2.99 | one-time |
| Send 100 PDFs | $3.99 | one-time |
| 500 times Save as, Print and Email | $4.99 | one-time |
| 1000 times Save as, Print and Email | $6.99 | one-time |


### Debt Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

**Highlights:** Personalized debt repayment plans, Snowball and Avalanche payoff methods, Track multiple loans and credit cards, Payment reminders and alerts, Interactive progress charts and graphs, Ad-free experience

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Balance Sheet free?

Balance Sheet costs $0.99, and also offers in-app purchases.

### Is Debt Guide free?

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

### Which has better reviews, Balance Sheet or Debt Guide?

Debt Guide is rated higher. Balance Sheet averages 1.0 out of 5 from 2 ratings, while Debt Guide averages 4.8 from 49 ratings.

### Do Balance Sheet or Debt Guide have ads?

Neither Balance Sheet nor Debt Guide shows ads.

### Which is updated more often, Balance Sheet or Debt Guide?

Balance Sheet ships an update every 6 weeks, and Debt Guide every 3 months. Most recently, Balance Sheet was updated on October 29, 2026 and Debt Guide on October 30, 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.*