Debit & Credit Reviews

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 DebitCredit (without sacrificing privacy, mind you). Thank you for URL SCHEME support! For anyone reading the reviews, if you’re on the fence about downloading DebitCredit, 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 DebitCredit 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.

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 DebitCredit 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 DebitCredit 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 DebitCredit I use every day on my Mac and devices, THANKS!

Thanks for creating such a great app, and keep up the great work!!!

I discovered DebitCredit after slogging through app after app that wouldn’t allow both myself and my husband to access and add transactions from our various devices. The fact that we can do that with DebitCredit, and have it on our Mac as well is incredible! We were terrible about letting our receipts pile up, then have a mountain of work to get our checking account ledger up to date. DebitCredit is very well executed. I thought there were a couple of features that we had on our previous desktop app that were missing, but upon looking at the settings, we are able to do everything we had been able to with that one. Transactions populate our various devices, including watch, incredibly quickly. So freaking happy! We can finally enter our info on the fly and skip the misery of entering everything for a month at one time. THANK YOU, THANK YOU! Keep up the fantastic work!!

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 DebitCredit 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 DebitCredit 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!!

I bought DebitCredit 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 DebitCredit 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 DebitCredit for its usability and the fact that the developer is engaged and providing a quality product.

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 DebitCredit WAY more than Mint or Truebill.

I use a reward credit card like a debit card so that I can get airline tickets. So I want to keep track of both my checking account & credit card charges. I also want to see a running total in real time so I know how much money I actually have. I thought DebitCredit did not do that. I emailed the developer and within less than 24 hrs, I was told how to see that running total. In the home page, you simply pull the accounts down. Originally, I gave DebitCredit 3 stars because I thought it did not have this feature. I am revising it to 5 stars, for now. This is a new app for me so time will tell. The last app I used lost all my data when I upgraded to a new phone. I pray that is not the case with DebitCredit!

I just read the release notes and realized that you can now rearrange the payee, category, and description fields. That is awesome as I’ve always felt they were in the wrong order. I’ve always entered them in reverse order.
This is my #1 favorite app.

Edit: Well this is strange. Went to edit my previous review, which is usually the only option if you’ve previously left a review, but it opened a blank review page. I figured Apple must have removed my prior review. Once posted, I see that it replaced my prior review but left the developer response of the old review. So now it looks as if the developer responded before I left the review, and responded to issues not in my review.
With Apple it just works, except when it fails.

DebitCredit is the best! And I did try many! To make it the absolutely best with no rivals at all (10 Stars!); I would like to se the future transactions—like the duplicates—gray out AND with the future balance also.
That way if at the beginning of January I enter all my income and my bills, and maybe that predictable expenses, I will have an overview all the way down to the end of the year. It would be priceless!
In fact, you could have only the “recurrent “ visible and gray out (right now they are not, only the “duplicate” are).
Also, if when I open DebitCredit and select an account, it would be wonderful if the screen stops at today’s date. Right now it runs all to the last duplicate (December 2020 for me since I did manually duplicated income and expenses as I know of).
I hope this make sense. I think DebitCredit will still maintain the beautiful clean look, yet it would offer something that no other App out there offers.
I have both the iPhone and MAC apps. So I would really appreciate a little improvement, on a MAC there is a lot of room to introduce something like this.
Thank you all anyway.

I was using an another app before but their privacy policy was no longer for me (using my financial info) DebitCredit is very powerful but have a clean and simply look.
Two things that i miss on DebitCredit and it will be wonderful if it can be implemented its to be able to get some icons for the categories and payee because for example when we got a lot of categories it can be really difficult to found the one directly.

And last thing that i will live to see it’s in the reports an option to see a pie chart with the categories spending and income with the icons that i was mentioned before.

The free version is great but you only get two Accounts. Paid version is unlimited accounts and I use those for banks, credit cards, loans to and also from me, kids allowance balances, etc. I even track what I put in the coin jar with an Account that I named... wait for it... Coin Jar. Love the Plus and Minus and Transfer (between accounts) features but please fix it so when a Plus or Minus is edited, it can also be converted to a transfer. That functionality disappears for some reason and could save people a lot of steps when they convert from Free to Paid versions. (So just go ahead and buy the Paid version, People - you won't regret it.)

The OSX version is powerful and easy to use, no major issues. The iOS version wastes screen space by assigning about 1/3 of the screen to listing of account names and balances (in one line) and bookkeeping settings. The display of the important data is cramped into the remaining 2/3 of the screen. Running balances are listed in fine print and descriptions, categories, and payees are fused together, obscuring their meaning. The time when a transaction is entered is displayed also, a useless information, since it is unrelated to the time when the transaction is executed.
The sharing of data between computers running OSX and iOS is a plus.
I give the OSX Version five stars, the iOS version two stars.

I love being in control of my budget, and Debit & Credit gives me complete control and lots of tools to organize all my information. When checking bank or credit card apps can be confusing with available balance vs statement balance vs current balance, I always prefer checking my official log in Debit & Credit where I know what everything means and how much money is where. My only issue is the latest update that added folders has caused some weird bugs in the color scheme that make it hard to parse some information, but the addition of folders is a godsend so I’m not complaining.

I’ve been using DebitCredit for years to keep up with my checking account. Looking to see how much money I have in the bank before I shop doesn’t work for me because I inevitably forget to allow enough for my bills. DebitCredit lets me go ahead and deduct all my bills, even if I haven’t officially paid them yet, so that I always know how much money I really have. Over the years I’ve tinkered with the categories and really streamlined it and I can enter a purchase in seconds. Love the new clean look with iOS 14! Especially the color coding that turns income green and expenses red.

I did love DebitCredit cause it’s only app that I can find that ICloud sync between watch, iPad and iPhone work! It freaking works, but the main reason I didn’t give it 5, is because I’ve had days when app’s addition and subtraction doesn’t work correctly.
I was racking my brain to reconcile my bank account ( which I’m OCD about doing everyday) and I entered every thing correctly, and balance was off (not by much) I had to go in and clear everything from days entry and start over, it corrected itself somehow. My question is this, how does a computer glitch cause math to NOT work?
Has anyone else had this problem?

This is a beautifully conceived app. It is well thought out and smartly laid out. I initially experienced some frustration owing to my own preconceptions derived from other apps I have used. Once you can clear your mind and accept DebitCredit for what it is things quickly begin to fall into place. One of the keys for me was accepting the fact that paying off a credit card balance is actually a transfer of money from a cash account to a debit account rather than one of paying a bill. It’s simplicity veils the careful thought and design that makes it so useful. Well done and worthwhile!

I’ve waited awhile to review Debit & Credit. I’m using the premium versions on my Mac and IOS devices. The developer really understands how to make a complicated task easy to do.
The interface is remarkably uncluttered, so much so one thinks “this can’t be any good , it’s not complicated enough”.
This is where DebitCredit really shines , making money management easy to do. The integration between Mac and IOS is seamless. Having bought and used many finance programs over the years Debit & Credit is the best. A special note on their support, had an issue at first when I had the trial version, emailed them , within 15 minutes had a reply that fixed the problem! So I say 5 stars ...Highly recommended !

I have used DebitCredit for years. It has assisted me with tracking my spending, scheduling payments, planning for future transactions, and has ,overall, just made life easier. I’ll admit, I don’t use all of the features available, but what I do use is very helpful. I’m the type to keep track of my balances down to the very penny. I haven’t touched a paper checkbook balancer since I’ve began utilizing DebitCredit. I refer DebitCredit to everybody, but some are just stuck in their ways with paper/pen and that’s understandable. But for me: this is PERFECT. So to the creator of this, THANK YOU! : )

I’m an accountant of a small company. I was needing a way to track all of my spending for the Company and my Personal accounts. I have tried other software and recently have been using spreadsheets to keep control of the expenses. With the updates I have found how to do everything from the website. I like that the company doesn’t have control of my information. I see that I can share DebitCredit on different devices which is nice since I travel a lot and need to know what the balances are in each account.

I am the treasurer for our local Girl Scouts and we have to do financial reports at the end of each program year. DebitCredit makes this process simpler. I used categories that correspond to the GS paper work and run a report for income and one for expenses and done!

I would like to see the option to save multiple reports all with their own defaults. Not all of my accounts have the same income/expense categories so to run a report I have to change categories, etc each time.

Also would like to be able to assign a custom color to each account to make it visually easier to differentiate between accounts.

I love being in control of my budget, and Debit & Credit gives me complete control and lots of tools to organize all my information. When checking bank or credit card apps can be confusing with available balance vs statement balance vs current balance, I always prefer checking my official log in Debit & Credit where I know what everything means and how much money is where. My only issue is the latest update that added folders has caused some weird bugs in the color scheme that make it hard to parse some information, but the addition of folders is a godsend so I’m not complaining.