Debit & Credit

Debit & Credit

By Ivan Pavlov Pty Ltd

  • Category: Finance
  • Release Date: 2014-10-31
  • Current Version: 2.9.4
  • Adult Rating: 4+
  • File Size: 4.63 MB
  • Developer: Ivan Pavlov Pty Ltd
  • Compatibility: Requires iOS 10.12 or later.
Score: 4.5
From 744 Ratings


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. • Powerful features Split categories, pending transactions, transaction export, file attachments (with sync), 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. If you choose to purchase premium version, payment will be charged to your iTunes account, and your account will be charged for renewal 24 hours prior to the end of the current period. Auto-renewal may be turned off at any time by going to your settings in the iTunes Store after purchase. Current price for the premium subscription is $9.99 per year, and may vary from country to country. Our privacy policy, as well as subscription terms are available at In case of any questions please don't hesitate to contact



  • Borenar

    By Boris Arutyunyan
    After using Microsoft Money over 18 years, thankful for this free option. Question: how to change an account name? Thank you.
  • good but needs some work

    By why nickname??
    It works well and has a decent interface. But, 2 peeves 1) automatic decimal point is lacking - this seems like a huge omission in an accounting program 2) display of spending categories isn’t implemented propertly - you can nest categories under “parent” categories, but when you go to assign a category to a new transaction, this nice hierarchical structure isn’t present. Syncing between desktop and iOS versions is solid. Haven’t yet tried reporting functions. Update 1/3/19 I really want to like this program, but it just has odd quirks and missing functionality that make it challenging, IMO. Reconciling: Every program I’ve ever used automatically uses the previous month’s reconciled ending balance as the starting balance for the current month’s reconciliation. Not so D&C - it starts off with a zero dollar amount. IMO this introduces a potential for error. Similarly, every other checking app has an indicator fo reconciled entries in the checking register. D&C does not, so when you’re reviewing an account looking at the register entries, you don’t know which transactions are reconciled or not. This is just so unlike all the checking account apps I’ve used for 30 years that it is unnerving to me. On the plus side, the developer is very responsive to questions, often answering any emailed question within in an hour or two. I really like that.
  • OK, but not worth the new subscription model

    By Pizzaz
    I was a Quicken user for 23 years. I switched to Debit & Credit when my older version of Quicken was no longer compatible with the latest MacOS, because I didn't wish to participate in Intuit's pricey subscription access scheme just do simple basic personal account tracking. Overall, I am happy enough with Debit & Credit because I was able to buy it for a reasonable price and avoid having to continually pay for subscription access. However, since I purchased this program, the developer has moved from a one-time purchase option to a subscription model. Having used Debit & Credit for almost one year, I can say that it is a functionally viable alternative to a basic, older desktop version of Quicken, but—and this is a BIG "but"— it has a VERY clunky and amateurish user interface. Navigating around the program and entering data requires lots of needless extra mouse clicks, and there are little irksome issues such as the account screen constantly scrolling back up to the oldest transaction entries. It works, but the experience is neither efficent nor enjoyable. Given the unintuitive and frustrating interface, I would NOT pay to stay subscribed to this app. I'd either sign up for a Quicken subscription or find another off-brand app that I could buy economically and not keep having to pay for.
  • 2 Years of Excellent Service

    By LPD303
    December 2016, I started with the free version of Debit & Credit but within days purchased the premium version. Today, I track income and expenses, and transfers between, fourteen bank, credit card, and loan accounts (some having high activity and some next to none). Six of those accounts are shared with my spouse's iPhone and all of them appear on my iPad, iPhone, iMac, and MacBook Pro. The moment either of us enter a transaction, the entry appears on every device. I reconcile my accounts at least monthly but my active accounts are reconciled multiple times each month. B&C makes entry so easy that, say for credit card purchases, we do it at, or while walking away from, the point of sale. Since the entries are made as soon as the transaction occurs, and since the transactions sync to every device, I never have any trouble reconciling my accounts. I don't, but have and definitely should, use the Budgets feature; it's there and works well, we just don't always need it. Scheduled transactions are a huge help in tracking regular/scheduled expenses and income. Payee Locations lets me geolocate regular transactions at the usual gas station, grocery store, etc. and auto-populates the Payee and Category fields; the auto-populated information is simple to change if I visit the florist next to the gas station but the feature saves time and works great. If I could make one change, I'd like to see a settings option that allows the user to choose automatic fractions of digits; having "$1589" automatically appear as "$15.89". Whether I ever see that option, or not, I absolutely LOVE Debit & Credit and hope I never need to figure out how to manage my finances without it. To the developer, Ivan Pavlov, please note that I wouldn't complain if a future update required me to make an additional purchase; I just want everything to continue working and the app to always be available.
  • Great Program - Great Support

    By rsg456
    This program does everything I need it to. I wanted to convert from check register to digital to keep track of income and expenses. I’m still a little uncomfortable having my check register on the computer, but I love how easy it is to find transactions. I have the free version and as I said, it does everything I need it to — from check register to reconciliation to financial reports. One other important thing to note is that Ivan, who developed the program, is absolutely fantastic. I’ve emailed him several times with questions and he usually gets back to me right away, and if not, within a couple of hours. Can’t say enough good things about the program and Ivan.
  • Keep Track of Balances

    By LissyKate79
    I use this app every day to keep track of my actual balance because my bank's online banking does not update my available balance regularly. The only thing this app is missing is a place to check of transactions as they clear your bank, making it easier to reconcile at the end of each month. Otherwise I don't think I could keep track of things without it. It's easy to use too. Thank you!
  • Great App

    By Talebn
    It is a great app, I love it. Simple but does everything I need.
  • Excelente App

    By Vblacud
    Excelente App!!!! Muy sencilla de usar y de llevar tus cuentas. Su interface es muy intuitiva.
  • This app is everything a highschool student needs

    By KrackenKerr
    A GREAT APP IF YOU DON’T WANT TO MESS AROUND WITH CREDIT CARDS OR BANK ACCOUNTS. So I’m a highschool student and I wanted an app that all I had to do was plug in my current savings, my allowance per month, and the price of the computer I wanted to buy in the future. I literally tried every app out there with no luck. I don’t have a credit or debit card or even a bank account so those fancy apps that link all your cards and accounts in one place was just not was going to work for me. What I really wanted was an app that could calculate how much I would be under/over money wise for my future computer. Just plug in your money and everything is automated! Another great plus is it has a companion ios app that you can sync with over iCloud. My only regret with this app is it is not available for windows for when I get a new computer. Great app.
  • Poor Excuse for an app

    By janricketts
    Trying to use this app, when you resize the columns and then edit a transaction and finish the resize is very badly messed up, rows do not resembal a check book. categorys and subs not very well definded( finly found the edit for themunder the prefences/metadata. a poor free app, oh wait you can purchase the pro version but you will still have the same problems.