Debit & Credit

Debit & Credit

By Ivan Pavlov Pty Ltd

  • Category: Finance
  • Release Date: 2014-08-05
  • Current Version: 2.8.2
  • Adult Rating: 4+
  • File Size: 16.23 MB
  • Developer: Ivan Pavlov Pty Ltd
  • Compatibility: Requires iOS 10.0 or later.
Score: 4.5
From 953 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 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. • Powerful features Split categories, pending transactions, transaction export, file attachments, transaction tags, Siri, 3D Touch and Touch 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. 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



  • Great until now

    By Barton7519
    I have been using this for over a year. I paid for the premium version! Now I got a new iPhone and restored it from backup, ow only 2 of my accounts show and I’m told I need to pay more, a yearly subscription to get my accounts back! Pure garbage now!
  • Bugs?

    By Jcheinaman
    Duplicate transactions randomly happening since iOS 12 update.
  • Mostly Great

    By Libby Malone
    I have used this app for a while and really like it. I like the shared accounts option and the ability to have pending transactions. However, I have had to re-subscribe twice in this past year because my Mac and iOS devices refused to sync with each other and attempts to resolve the issue through customer service were unsuccessful. As much as I love this app, purchasing it multiple times is very frustrating and I would not do it again if the issue happened again.
  • Simple to use

    By ai4x4
    I love the simplicity of this App. It allows me to attach statements. The App is having a glitch right now in that it is not displaying the actual cleared balance. I would love to have the added option to have my scheduled transaction displayed before they actually become due. This way I can clearly see how much money I have until the next paycheck.
  • Best Finance App Ever

    By RebekahWatson
    I have tried half a dozen different banking apps that were glitchy, sketchy, or just didn’t meet my needs. Let me say, I NEVER pay for subscriptions, I’m so cheap. But $10 a year for this app is worth it. If you want: 1) Multiple bank/credit accounts 2) Built in budgeting 3) Multiple category options 4) Automatic bill notifications/deductions 5) A good way to keep your accounts balanced 6) A simplistic, easy-to-use, customizable design THIS IS THE APP FOR YOU!
  • Great App

    By LongviewWA
    This is a great app works as a wonderful finance manager. I’ve tried others in the past but nothing beats this one to date. It is easy to use and I can keep track of all of my business credit cards and business checking and savings accounts in one place. I would recommend this app to anybody who wants keep on their toes with their finances. Jim
  • What I was looking for.

    By Gypsy Root Gal
    I use a reward credit card like a debit card so that I can get airline tickets. So I want to keep track of both my checking account & credit card charges. I also want to see a running total in real time so I know how much money I actually have. I thought this app did not do that. I emailed the developer and within less than 24 hrs, I was told how to see that running total. In the home page, you simply pull the accounts down. Originally, I gave the app 3 stars because I thought it did not have this feature. I am revising it to 5 stars, for now. This is a new app for me so time will tell. The last app I used lost all my data when I upgraded to a new phone. I pray that is not the case with this app!
  • The running total has changed

    By Rich.Xweat
    Support contacted me and we fixed my problem. I am updating my 3 stars to 4. I would give 5 stars, but nothing is perfect. I really do like this app. The last update, the running total stop working. It dose work if I clear each transaction before the end of my statement cycle.
  • I will not use anything else!

    By the-worm-in-the-apple
    I have been using this app for over a year now, as my previous ledger was no longer supported on the newer versions of iOS. What a bummer. An app you’ve used daily for years is suddenly gone from your life. I was forced into finding a new one. I tried nearly all of them and this one seemed to be the best of them. I will admit, I still wasn’t quite happy with it at the time... but it did what I wanted and I quickly found that it was stable, accurate and met all of my functional needs. But- I can tell you this- the real power of this app wasn’t realized until I’d been using it for a few months. I loved the detailed but succinct reports showing exactly where my money had gone over different time periods, organized in finely tuned (and customizable) categories, sub-categories and tags. It has been a real treat. The ability to see my income vs. spending over the months has proved indispensable. True story: this app recently gave me a very in-your-face figure of how much I had spent on useless vices this past year (alcohol, nicotine). I was absolutely floored by the amount. I could not ignore the evidence- or the realization of what I could have done with all that wasted money. It bothered me so much that I decided to quit drinking and smoking completely. Guess what? I have been successful in quitting and staying away from both for months. I’m saving all that money now, and I’m so much healthier and happier. All because of this app! I owe Ivan big time! And- speaking of Ivan (the developer): he has always been very quick to respond to my many questions. He fixed the one or two small bugs I reported in the next release, and gratefully thanked me for my feature requests/suggestions. Ivan is a good guy and has shown me that he is always there to back his creation. I am so glad I bought this app. I recommend it to my friends, and I recommend it to you. The financial insight this simple app has given me has been priceless. Now- I don’t use the budgeting features simply because I am very financially responsible and make enough money that I am thankfully able to save more than I spend each month. I can clearly see that trend in the app’s graphs. Recurring transactions are nice for fixed incomes and expenses, but mainly only save me the time of having to enter the info for them each month. I believe they can be reminders as well, but most debits these days are automatic and the day of monthly auto-withdrawal often fluctuates too much for these to be reliable. My one wish is that some more features will be added to the program. Greedy? Maybe. I just haven’t seen many exciting new additions or updates since I’ve been using it. This may be Ivan’s vision for the app- to not make things too complicated. Overall, the premium version is worth every last penny and I won’t sit and sell the more advanced/robust features- they’re listed above. Do yourself a favor: buy this app and give it 3 months. You’ll use it every day and won’t ever want or need to use anything else. Congrats and thanks to Ivan. His app is a real diamond in the rough.
  • Great app even after years of using it

    By honeyd#3
    I bought this app to replace another that was not longer being updated. My husband and I sync our transactions with each other and need the ability to see all transactions on all devices. I have been using this app now for a couple years and have been very happy with the interface, options and especially the customer service and tech support. I have had a couple of questions over the years and each time I have reached out for help Ivan has responded very quickly, almost always within an hour. He had always been able to help me immediately. I would recommend this app for its usability and the fact that the developer is engaged and providing a quality product.