Debit & Credit 4+

Personal Finance Manager

Ivan Pavlov Pty Ltd

    • 4.7 • 134 Ratings
    • Free
    • Offers In-App Purchases


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

In case of any questions please don't hesitate to contact

What’s New

Version 6.2.1

Fixed bug when date selection was not working on iPhone when doing account statement reconciliation.

Ratings and Reviews

4.7 out of 5
134 Ratings

134 Ratings

Tamjam ,

I hate managing money...

...but I love this app.

If, like me, you're not a fan of tracking your spending and you loathe spending hours in front of a screen doing just that, then this app may just be for you.

There is very comprehensive help included in the app, such that it teaches you how to use the features without having to be an accountant, worrying about what the app is doing. I began by importing some bank transactions to get me started, read the help for the features I needed then began tracking my spending as I went. I have also shared the app with my spouse, so that we can both see what joint spending we are doing and ensure that we stay on budget. Very cleverly this app lets you optionally associate one or more locations with a payee, and it also allows you to tell Siri to create transactions.

These are the days of increased privacy - this app has you covered there too. No data collection.

As if all this wasn't enough, the developer is extremely responsive to help enquires, which is really nice to see. If you need an app that does money management, at a fair price, and with excellent service from the developer, I encourage you to consider supporting Debit & Credit.

Shirpam ,

Love it! Does just what I want.

Have only been using it for a few days but: Over the years I have used many financial apps. This seems to be one of the best. It doesn’t link with banks which I usually had before, but I am finding it just as useful! My last one was Pocketbook (now defunct) but although that brought in all my expenses from my bank, it often categorised them incorrectly, so I couldn’t trust that it was giving the right information.
I am setting up scheduled payments and financial plans, and am thoroughly enjoying working with it as it anticipates what is needed, speeding up the input process.
The reports are comprehensive and easy to read. Well done. For $20 a year, it’s a bargain.

Lyzart ,

Simple, but powerful

I've spent quite a bit of time looking for the ideal cashbook. There are bazillions of apps out there, but this one seems to hit the sweet spot.
I'm really impressed by the simple interface, and the amount of power it conceals. Budgets, split transactions, recurring transactions, categories and tags, reports, etc. iCloud sync works instantly and flawlessly, which is a major plus for me. Well done Ivan!
One or two additional features, like income budgeting, and account grouping with summary balances, would make this app truly awesome.

App Privacy

The developer, Ivan Pavlov Pty Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    Some in‑app purchases, including subscriptions, may be shareable with your family group when Family Sharing is enabled.

  • Siri

    Get things done within this app using just your voice.

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