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.

• 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 3.1.3

Bug fixes

Version 3.1 had a number of big new features:
New features:

Support for Apple Card Quick Cashback Entry
If you create a new transaction on "Apple Card" account, the app will automatically suggest creating a daily cash transaction on "Apple Cash" account (if you have one).

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. This is very useful if you often create new transactions with invoices or receipts that you get via email. Moreover, the app will analyze files 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 touch experience.

New Configurable Siri Shortcuts (iOS 13)
Now you can create a configurable Siri shortcut for a particular transaction. What this means is that when you run this shortcut Siri will ask you for a transaction amount and then will create a new transaction with other parameters (payee, category, etc). This is great for creating new transactions on the go. You can create a single Siri shortcut for something like your favourite grocery store and use that shortcut via Siri every time you shop there. To create a new shortcut, just tap on a transaction in the app and select the relevant option.

New Document Scanner (iOS 13)
When you tap on a camera button when creating a new transaction in iOS 13, you will see a new document scanner provided by iOS 13. This is even better experience for scanning documents and attaching them to your transactions.

Search Filter Suggestions
When you open search in the app you will see suggestions for an additional filter for your search query (e.g. transactions with attachments, transactions created by other users, etc). This is a great way to quickly make your search request more granular. In iOS 13 this will look even better with new system provided icons that are also placed in the search field.

Full Support for Dynamic Font Size
Dynamic font size is a custom font size that you set in the iOS system settings. Previously the app supported dynamic font size only in the transaction list and some other parts of the app. Now it is supported everywhere.

Quick Multiple Selection of Transactions (iOS 13)
The app has adopted a new system gesture available in iOS 13. You can quickly select multiple transactions within the same day by swiping down two fingers on them.

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.

Full Integration With Shortcuts app (iOS 13)
Debit & Credit can now be be used a separate configurable action in the Shortcuts app. You can dynamically assign all parameters for a new transaction, including attachments.

Improved Color Schemes
Existing color schemes very improved to provide better contrast. If previously you did not use one of the custom color schemes, now it is time to give it a second chance.

Improved Payee Location in Shopping Centres
If you save a location for a payee that is located in a shopping center that has indoor mapping, the app will also record its floor level. After that the app will suggest this payee only if you are located on the correct level in the shopping centre.

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.

Ratings and Reviews

4.7 out of 5
898 Ratings

898 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.

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.

danboe ,

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!!!


Ivan Pavlov Pty Ltd
19.8 MB

Requires iOS 12.0 or later. Compatible with iPhone, iPad, and iPod touch.


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

Age Rating
Rated 4+
© Ivan Pavlov
In-App Purchases
  1. Premium Version $14.99
  2. Premium Version $14.99


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

  • Siri

    Get things done within this app using just your voice.

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