Debit & Credit

Name: Debit & Credit
Rating: 4.75786 (1747 reviews)

Finance

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Debit & Credit

Finance

4.8

1.7K ratings

Age Rating

Seller

Ivan Pavlov Pty Ltd

In-App Purchases

$19.99

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User Reviews for Debit & Credit

Great, but

I love the simplicity of this app, I love the layout and ease of use, and I love its features. I haven’t been overdrawn once since I started keeping track of my finances with this app. However, there is one annoying bug that keeps popping up where the app will duplicate my recent transactions and it throws everything off. I had to delete 180+ items yesterday that the app made copies of, which is time-consuming and potentially could still mess up my budget if I don’t catch them all. Edit: This bug just happened again and I had to manually delete 270+ duplicates 🙃 Edit 2: Still dealing with this bug on a regular basis, love the app otherwise but this is very annoying! Edit 3: Still dealing with this bug on an annoyingly regular basis, just had to delete over 600 duplicate entries and it even did a new thing where it added back in entries I had deleted previously. I feel like this is a major programming flaw that negatively impacts both the accuracy and efficacy of this app and I am going to start looking at alternative ledgers.

apple_apple_struedel, Jul 14, 2023

Best Customer Service from a Developer Ever!!

Ivan (the developer) also makes the Parcel tracking app which I love. I bought Debit & Credit to change from another program (MoneyWell). There were initially some challenges trying to match features from the old program I was using. I emailed support and Ivan responded immediately. More recently I had an issue with iCloud sync trying to share the app with my wife. It turns out the problem is related to iCloud and I was exceeding the maximum number of entries that iCloud allows to be synced between 2 different iCloud accounts. Regardless, Ivan exchanged 15 emails (including on weekends) with me trying to come up with work-arounds. He even created different “test” versions of the App for me to try in order to see if I could sync all my transactions successfully. Best customer service from any App Developer that I have ever experienced!!

cgibbins, Jun 14, 2018

Very impressed!

What a great app and what a savior solution to the dilema I had after the other app I had been using stopped working with iOS 10. I had about 9 years of my checking account register in that app, and was luckily able to export into a CSV file and import everything into Debit & Credit. I just finished reconciling two years of bank statements with the Mac app, and I use the iPhone version every day as I make purchases. Absolutely love the simplicity, design and “it just works” aspect of this app and the mobile version. I’m pleasantly surprised by how well and fast iCloud sync is between my Mac, iPad and iPhone. Well worth the price!Over the last year, I reached out to the developer with a few feature requests. Because I use this app daily, I thought I’d ask, knowing I probably would never hear anything back. However, I am pleased to say I received replies from the developer very quickly, and my requests are now part of the app I use every day on my Mac and devices, THANKS!Thanks for creating such a great app, and keep up the great work!!!

danboe, Sep 24, 2017

Okay app

I like that it will project my balance into the future based on my repeating and future transactions. But it has been making duplicates of my transactions recently and that should be fixed. Why there are the options to “clear” transactions and/or “reconcile” them, I’m not sure. But I do know if I don’t “clear” the transactions they won’t compute the right balance. So I feel like I am doing double the work when I only want to reconcile them to my statements every month only once. Also, there is no option to “roll up” transactions to save space. If I want to remove old transactions I have to delete them one by one, and if these transactions are transfers to other accounts within the app, the transfer is deleted in the other account, even if you don’t want to delete that transfer within the second account. It’s a decent app, the only one I found that has the features I need (like a report of transactions) but it is quirky and takes some getting used to.

DePonti, Nov 04, 2022

Great app even after years of using it

I bought this app to replace another that was not longer being updated. My husband and I sync our transactions with each other and need the ability to see all transactions on all devices. I have been using this app now for a couple years and have been very happy with the interface, options and especially the customer service and tech support. I have had a couple of questions over the years and each time I have reached out for help Ivan has responded very quickly, almost always within an hour. He had always been able to help me immediately. I would recommend this app for its usability and the fact that the developer is engaged and providing a quality product.

honeyd#3, Jul 25, 2018

Love it, but could improve

This is a fantastic app. I love the unlimited accounts. The extras, like budgeting, planning, and reports are awesome.Things I would change:Transactions:Adding the ability to split transactions to multiple categories and divide the funds. If I spend $100 at one store with $90 in groceries and $10 in pets, I currently have to create 2 transactions. Balances:I’d like to have the option of having the running balance show the uncleared balance, with the cleared balance on top. I’d also like to be able to change those options per account, so I can have one account with an uncleared balance and another with a cleared balance.Credit Accounts:I wish there was a way to input the interest rates on credit accounts and have it calculate any monthly fees. It would also be nice to change the option of viewing the available balance vs outstanding balance. It seems that one the account is created, this cannot be changed.Loan Accounts:An option for loan accounts would be beneficial. Again, with the option of adding the interest rate, so that I could see how much is going to principle and how much is going to interest.Overall, I like this app WAY more than Mint or Truebill.

Kjerlandsen, Sep 24, 2021

Excellent alternative to Mint

I’ve been interested in a Mint alternative for years now. This app is exactly what I would have developed myself if I had the time. I love that it uses iCloud for storage so that my private information isn’t stored in any 3rd party storage/service. The syncing between devices is fast and seamless. The app is lightning fast compared to mint which makes it effortless to add transactions on the go. I don’t mind that there is no syncing capability that would require me to share my credentials or use a service like Plaid that then has access to my private financial information. I finally have a place to store all of my receipts in an organized way that’s available on all my devices. I think the $20/year for premium is very reasonable.

mnichols-sd, Jul 13, 2023

This is the financial app I’ve been looking for

I am old school and wanted to find an app that I could track my household spending as well as reconcile my checking, savings and credit cards with. I also wanted to generate a monthly income/expense report. All the other budgeting apps in the App Store were useless to me; I tried 5-6 of them including big names like Mint and Quicken. This is the first app that does just what I am looking for. The interface is simple and understandable. I purchased the Premium level so I could load more than two accounts (I use four). Ivan has been very helpful since I began using his app. He responded to questions within 24 hours and often sooner. Like every financial app, there is a learning curve but I found this one to be very short. I have been using his app for about six months now and really appreciate it. I use it on iphone and ipad; the iCloud interface is simple and reliable.

sandyfreed, May 18, 2022

Customer for Years

Over the years, I have come to absolutely love Debit & Credit for its simplicity and uncompromising power. Ivan is genuine and lightning fast with responses to questions. Hands down, this is one of the most amazing apps I have seen - and he has THE best customer support I’ve ever seen - anywhere. It is absolutely astonishing what Ivan has packed in to this tool. I have tried so many apps - from indie developers to off the shelf big-name products, but Ivan’s continued development and increased feature set seems to unleash a power that is unparalleled. I will gladly be a premium subscriber for years to come as this is an app that delights and delivers. From sharing to the ability to weave into automated workflows (shortcuts), there is a massive return on investment for potential time saved with this app (without sacrificing privacy, mind you). Thank you for URL SCHEME support! For anyone reading the reviews, if you’re on the fence about downloading this app, don’t be. Download and dive in to the robust features that are elegantly hidden behind simplicity. I can’t wait to see what he does with this app in the future. It is already a top shelf product. Been a customer for years now and will be into the years to come. Frankly, the only thing to say here is - well done.

TechDaddy4, Feb 19, 2019

This App was made for me.

I have used and tried several finance tracking apps over the past couple years and never very satisfied with any of them. Most are too complicated that I end up not using them or bloated with features that clutter the interface or too simple to get much value out of. This app is amazingly intuitive and simple yet packed with nearly all the features I need to track successfully my finances and spending. It is very easy to add transactions and the reporting is useful. There is so much thought behind every function that I can tell a lot of time was spent perfecting the experience. I'm actually using the budget feature because it is so simple and because the tagging feature is perfect to track what me or my wife spend individually and I can also tag transactions that I'll need to reference when it comes time to do my Income Tax. The missing feature I could use the most is to have the budget reflect pending transactions. I really like the ability to change the color of the background along with the color of the app icon. I make it a different color than the other apps on my home screen so it stands out and I can quickly find it. I have too many red and blue apps and I sometimes open wrong one. I would love other developers to do the same.

uber6eek, Feb 17, 2018

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. • 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. • Color Themes Eight color themes are available for selection in the app settings in case if you want to customize your experience. • 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 [email protected].