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 manage your everyday finances.

• Super fast
Creating a new transaction now takes a matter of seconds. The app was designed with simplicity and convenience in mind. It will never require you to make dozens of unnecessary steps to accomplish simple tasks.

• Companion iOS & Apple Watch app
Debit & Credit has its own app for iPhone and iPad, which you can use to add transactions on the go. It is super convenient and keeps data in sync via iCloud.

• 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.

• 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.

• 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.

• 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.

• Transaction Attachments
There might be a number of a reasons why you might want to attach files to transactions. You can attach as many files as needed and they will be synced with iCloud. You can even use Continuity Camera to scan documents or take photos with your iPhone and receive them in the Mac app.

• Powerful features
Split categories, Touch ID support, pending transactions, transaction export, transaction tags, printing reports and saving them as PDF files - all those and many other features are at your disposal when you need them.

• 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.

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 3.1

Share Extension
Now you can share a PDF or an image from any other app to quickly create a new transaction with that file in Debit & Credit. Just right click a file in any other app and select "Share" in the menu (you might need to activate "Debit & Credit" there). This is very useful if you often create new transactions with invoices or receipts that you get via email. Moreover, the app will analyze the file you share with it and it will try to suggest the relevant payee, category and account when possible. With time as the app learns it might be able to extract amounts from invoices as well making adding a new transaction a one click experience.

Unlock With Apple Watch
If you use PIN code protection in the app, you will be able to unlock the app with your Apple Watch (watchOS 6 and macOS Catalina required).

Interactive Reports
Now you can click and drag on a report graph to see its details, just like in the iOS version of the app.

New Date Periods for the Wealth Forecast Report
Now you can select from next 3, 5 or 10 years when forecasting your net wealth or account balance.

Improved Handling of Multiple Timezones
Previously the app could separately display transactions made on the same day in different timezones. Now it should handle them correctly.

Bug Fixes:
• fixed bug when sometimes the app could show accounts/budgets share as pending in the app settings when it was accepted

Ratings and Reviews

4.6 out of 5
293 Ratings

293 Ratings

Cmdrx3 ,

If you want to keep it simple with no unneeded bloat.

I wish I was wealthy enough to require software to keep a track of my stocks and investment portfolios and check where the markets are at….. I’m not so I have no need for the bells and whistles that gets added to software like this. I want a simple account tracker that tells me this is where you’re at, this is what you’ve spent and what you’ve spent it on. If you wish to track individual expenditure for individual items you can split payments into different categories, I personally don’t need that level of detail but I have still used the the spilt payments. This is where this software excels if you are looking for a simple account and finance tracker that 90% of us would will use pretty much all of the features it does offer and would probably use nothing of what other features it could offer. My one gripe is the way the cleared/uncleared is used in pending payments, but it’s a minor issue that I can get around simply by choosing to show both. I hope the developer doesnn’t end up going full bloat on this software… there may be a market for that, but given the popularity of Debit & Credit, there's one for simple and no fuss as well.

ijw99 ,

Brilliant…. but we found a bug in the system

We use this application across 2 iphones and a macbook and it syncs brilliantly, we love it.
However, we have discovered a bug. We have a credit card account which we have set as a regular payment in the scheduled section but obviously the amount owed fluctuates. You can alter the scheduled amount and enter it into the account register as a one off when you set up the credit card payment, which seems perfect. However, when you then use the balance forecast this data is not included and gives you a false balance forecast. We then realised that any future transactions noted in the account register are not included in the balance forecast.
I made a previous development suggestion that functionality be added to enable an estimated value to be entered into the scheduled transaction section which can be altered on a monthly basis once the exact amount is known leavning future transactions at the estimated value. I am sure this is not a simple change but one which would significantly improve the product

AllMyNumberedBones ,

A boon - simplicity and excellence

If I were going to write a money management app, it would be something like this. All my life (so my mother told me, and being OCD) I’ve run a cash book to track my finances. This is superb in its simplicity - it’s like a cash book, only much better because it does all the calculation, reconciliation and reporting that I’d like the physical object to do while I slept.

I have spent long periods using other software - four years with Moneywiz, but it developed far beyond what I wanted, and MW2 was far too sophisticated for my needs. I abandoned MW1 when MacOS High Sierra came out and, without warning it stopped working. No response from the developers about why, so I did a quick bit of research on the App store, was impressed by the reviews of Debit&Credit, and tried it. The quality of the interface, and the careful thought that have gone into designing the functionality make Debit&Credit a winner for me.

Will try the iOS app in due course and will report on the outcome


Ivan Pavlov Pty Ltd
4.3 MB

macOS 10.13 or later, 64-bit processor


English, French, German, Portuguese, Russian, Spanish, Turkish

Age Rating
Rated 4+
© Ivan Pavlov


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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