Debit & Credit 4+

Personal Finance Manager

Ivan Pavlov Pty Ltd

    • 4.8 • 1.9K 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.

• Integration with Apple Card, Apple Cash, and Apple Savings
Get your transactions from Apple Card automatically imported into the app. Debit & Credit will help you to automatically categorize them using import rules.

• 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 7.0

Apple Card, Apple Cash, and Savings integration (iPhone, iOS 17.4+ required, US only)

Get your Apple Card/Cash/Savings transactions automatically imported into the app. Debit & Credit will do its best to categorize transactions and you can make your import super smooth by creating import rules. The app will also try to recognize and process Daily Cash transactions as refunds of your expenses.

Ratings and Reviews

4.8 out of 5
1.9K Ratings

1.9K Ratings

uber6eek ,

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.

bxxnjamin ,

Oh. My. Goodness

I can’t tell you how many bank balancing apps I’ve tried, subscriptions I’ve sampled, painstaking nights I’ve had reconnecting accounts, fixing data, etc. This app is EVERYTHING. If you are looking for something automatic to track your funds, this app isn’t for you. But if you are truly dedicated to updating your transactions and keeping track of where everything’s going, this app will be a godsend for you. This app does it all. It makes me feel like I am able to manipulate my own bank accounts and keep track of how much I’m spending on what and where everything truly flows and it’s BEAUTIFUL. I love that I can make unlimited accounts and add my own values to things, especially with things like depreciating assets that don’t necessarily have an account, but I like to keep an eye on its value which this app does it all. The seamless integration to your calendar, the notifications, the scheduling feature, I can’t emphasize it enough. There might be hesitation to pay $20 a year for this, but it far beats a painstaking spreadsheet that isn’t accessible on your phone. Oh, and not only is this app accessible on your phone, you can upload receipts, add notes, etc and sync it to icloud to view on your mac, iPad, etc. Wow wow wow.

TechDaddy4 ,

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.


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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