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.
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 firstname.lastname@example.org.
• option to export transaction attachments from the app. Useful if you need to export receipts for tax purposes. This option is available only if you have existing attachments.
• now if you create a new budget without assigned categories, you will get a warning
• bug fixes
Ratings and Reviews
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.
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.
almost fits my needs
i use this as my checkbook ledger. easy to input transactions. like the running balance, color differentiation. crucial info isn’t there at a glance, so i’d like to request improvements in some areas 1) In Regular View, would like to see Payee as default, not Description and Category. for example, i make 2 car lease payments and all that shows is “Car lease payment, Bills”. only when i double-click the transaction do i see where it went to. actually, i would use Table View as my default because it does show Payee, BUT it doesn’t show the running balance. IMO, both views should have all viewing options available. 2) include Scheduled Transactions in the ledger and part of the Transactions Filter (maybe up to 30 days in advance or user selectable and highlighted to differentiate from regular transactions) so i can see what my balance is on a future date. currently, the balance forecast report has to be run and only has 3 selectable time periods with 1 month being the shortest period (minimum 2 weeks would be nice). adding these 2 features alone would greatly enhance the single main view upon opening the program, negating superfluous clicks into other areas of the program to get the information. 3) Regular View only has one view date-wise (most recent on top). would like the ability to sort it so most recent is on the bottom. lastly, the developer is very quick in his replies. thanks!
Developer Response ,
Thanks for your feedback, I have noted it! Please be aware that the table view has the running balance column, you just need to select a particular account in the sidebar to have it displayed. It can't be displayed when all accounts are displayed because transactions from different accounts are in the same place.
Update (May 2018): I have added the option to always have payee displayed in the regular view. To enable it, click on "View" in the menu bar and select "Transaction Layout…".
With Family Sharing set up, up to six family members can use this app.