Debit & Credit - Personal Finance Manager

Developer: Ivan Pavlov Pty Ltd

Current Version: 2.4

Last Updated: 2 months ago

Download Size: 3.9 MB - Download


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.

In case of any questions please don't hesitate to contact [email protected]


Release Notes:

Improvements to reports:
• now you can exclude a particular category or a payee from a report. Right click an item in a report and select the relevant option (available for "What do I spend my money on?", "Where do I spend my money?" and "What are my sources of income?" reports).
• "What will happen to my wealth in the future?" report now has an option to include budgets into calculation.

Improvements to scheduled transactions:
• now you can select multiple categories for a single scheduled transaction.
• option to create pending scheduled transactions. This option is available if you use pending transactions.

Improvements to budgets:
• option to include pending transactions into a budget. This option is available if you use pending transactions.

Other improvements and bug fixes:
• uploading new transactions with multiple categories to iCloud is now 50% faster
• selection colour is now blue when alternate row colours are enabled for the table view mode
• the widget now follows the main app settings for the new transaction form: show/hide pending option, create pending by default and others.
• option to restore alphabetical order of categories if you are currently using custom order. Open categories in the app preferences, right click one of them and then select "Restore Alphabetical Order".
• option to preview transactions in a backup copy. Right click a backup in the app preferences and select "Preview…" (requires macOS Sierra).
• improved loading UI when the app is reinstalled.
• when selecting categories or payees for a report, search box is available if the list of items is long enough.
• major internal changes to improve reliability and performance.

If you like regular updates for Debit & Credit, please leave a rating for the current version. Thank you!


Most Helpful Reviews

Version 2.1.1
Review by hethelizabeth

Love it - Perfect - I love this app. I enjoy how it syncs up my phone and computer. Having it ready and updated on the computer really helps when I am paying bills, I don’t have to keep going back and forth from my phone and computer screen. I reviewed this app once before and stated they did not have a ‘cleared’ button and I wish they did - After I said that within the next few updates… there was a cleared button! This app is perfect. It has helped me keep track of my life and has allowed me to save money as well. I can’t think of anything else I would need from the app developers at the moment - simply; it is perfect.

Found helpful by 15 out of 15 people
Version 1.0
Review by Finatos

bad app - need manually input each transaction and your balance in each account.

Found helpful by 4 out of 7 people

More Reviews for Current Version

Version 2.4
Review by Kmbirtley

Great and simple to use... - I really like this app. It is great for all my checking account and budgeting needs. I really like the iCloud sync feature. I have tried other apps that have the sync feature, but the app itself did not support certain functionalility that this app does. I love how fast the syncing is and really enjoy the ability to split transaction amounts between categories to keep my budget running smoothly. Best financial/budget app I have seen yet!! Thanks.

Found helpful by 3 out of 3 people
Version 2.4
Review by Browser review...

Depends on what you are looking for - If you are looking for a smartly designed, intuitive interface, crisp, snappy, responsive performance, a robust set of features (including the ability to attach multiple documents to a transaction), automatic iCould backup and probably the best support you will ever find with any app of any type, then do yourself a favor and get this app. And the premium version is well worth every penny of it’s modest price. I have been looking everywhere for a clean, concise replacement for Quicken. DebitAndCredit is it !! Instead of dreading my record-keeping tasks, I actually look forward to it now.

Found helpful by 3 out of 3 people
Version 2.4
Review by newyorkperson

WATCH OUT! It syncs to iCloud even when syncing is turned off! - Why does it say it’s still syncing to iCloud when sync is turned off? That’s a major issue. Every minute or so, there’s the sync symbol at the top of the window, and in preferences the “last sync” time is updated, EVEN WHEN SYNCING IS TURNED OFF. I can confirm that it synced to iCloud between two devices even though the iCloud Sync button is unticked!

Found helpful by 1 out of 1 people
Version 2.4
Review by C-lee12

Like It!!!!! - I’ve been using the app for about a little over a year now. It’s been working pretty good so far. Great for keeping up with a small or personal account.

Found helpful by 1 out of 1 people
Version 2.4
Review by mbapete

A Finance App That’s Easy to Use - **UPDATED** I am still using Debit & Credit to manage all of my accounts. It is such a great app and the developer’s support for the app is one of the best I’ve seen on here for an independent developer. Thanks for a great app! I’ve been using Debit & Credit since it was first launched. It has been an amazing app to watch evolve and love the addition of thoughtful new features! I use it to not only manage my regular checking account, but because it has multiple account functionality, I use it to manage my health FSA account for each year, my saving accounts, and my work travel card. I love the fact that I can attach photos of receipts with each transaction using my iPhone and iPad OR get back to my Mac and attach them as scanned documents (in PDF or JPG format). Then everything is one place and easy to access if I need to deal with anything when away from my office or home. The nice thing is, this is an app that can be as simple as tracking money in and money out or details, tags, budgets, scheduled transactions, and so much more. It’s what you make of it … and you don’t feel like you’re losing anything if you just keep it simple. And I, like several reviewers, longed for a way to reconcile my accounts with monthly statements … writing to technical support to share this thought resulted in a quick, thoughtful, and thorough reply that showed me how to access this feature that was already built in! I can’t say enough good things about this software and its developer other than: keep up the great work!

Found helpful by 1 out of 1 people