Debit & Credit 4+

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.

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.

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.