Debit & Credit 4+

Soild Start - Looking forward to Future Features

Very impressed with the simplicity and function of this app. (1) I love the privacy approach - incredibly simple and straighfoward. (Everything is on your own iCloud account. The developer sees nothing.) (2) The account sharing feature was a little buggy, but once a I reset my devices we were up and running. (3) I set up a simple envolope system by creating additional accounts not connected to actual accounts. It works great. (4) The reporting feature is a bit limited at this point. Hopefully I’ll be able to run custom reports in the future. (For instance, if I could compare the toal of my envolope accounts to the total of an actual account, that would be great. Or if I could save multiple reports for tax purposes, I’d be good shape.) (5) Downloading my transcations is currently limited to MacOS. My bank does not allow me to download my transcations via CSV on iOS. If privacy could be maintained, I’d love to see some type of improvement in this area. (6) It would be nice to see some consistency around entering “new” transactions, or “new” scheduled transactions, etc. As a new user, I’ve been thrown off by the interface a bit between different categories and platforms. (8) The price seems fair and reasonable. (I was paying about $70/year for other services.) / Overall, nice work Ivan! Keep it up! I’ve used a lot of different personal finance products and I could see myself sticking with this one for a long time.

Easy to use and keep track of your finances!

I am a non-practicing accountant and I used to keep track of my personal finances in excel (mostly bills and credit card payments)-sounds old-fashion but I tried other apps out there and always ended up going back to excel because they were just complicated and not practical. This time around I decided to give another app a chance and to my surprise, this has been by far the easiest and most practical one to use. It is exactly what it claims to be “debits and credits”! I basically update it as I go, when I spend or pay or transfer money between accounts, I just do it on spot as opposed to waiting until the end of the monthly cycle to update my balances. I now have a clear picture of where I spend my money, all my credit balances, savings/checking accounts and with the reporting functinality I can see whether I am getting poorer or richer! I am getting poorer though but at least I can see where the money is going :). It has a budget functionality that I haven’t used. I do use the schedule functionality which saves you a lot of time by pre-booking transactions you know happen on a monthly basis (fix expenses), you can always go back and modify if anything slightly changed or if you are skipping a payment. I abosolutly love it! for now this works wonders for me and has done what other apps have never done before for me - make me keep using it! Happy user for about 3 months.

Update

After using this app for quite some time (close to a year) I still am grateful it exists and happy that I had something to replace Microsoft Money with, but being a person that likes to keep on top of keeping my finances organized, I still wish it would save the last opening balance automatically, as I sometimes forget to write that down and then I get all messed up. Other than that it is still great and has been a tool that’s made my life tons easier!! I know it was made for monthly balancing with a statement, that’s just something I would improve on. Thanks for the app!

As an avid Microsoft Money user for over a decade I was upset and spent too much money on apps that just weren’t comparable or compatable. With this free app I was even able to import my account. This is working good for me. The only thing I wish that would be improved is; I would really appreciate it if the opening balance & date were to be automatically saved in the reconciliation window when you begin to balance your account. I have been saving my info in a word file, then opening it to reflect back on when balancing. But it would be comparable to what I used money for if it had this feature! Please please see if you can add this feature!! Thanks for your program! I did buy the full version (less expensive than others) but found I didn’t even need the full version. Pleas take into consideration making the opening balance and date automatically saved from last balance!!! Thanks!

Developer Response ,

Thanks for your feedback! At this point statement reconciliation is supposed to be used with actual statements from banks, where you already have opening/closing balance and date.