Debit & Credit

Debit & Credit

By Ivan Pavlov Pty Ltd

  • Category: Finance
  • Release Date: 2014-10-31
  • Current Version: 2.7.3
  • Adult Rating: 4+
  • File Size: 4.41 MB
  • Developer: Ivan Pavlov Pty Ltd
  • Compatibility: Requires iOS 10.12 or later.
Score: 4.5
From 683 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 [email protected]



  • Functional and easy

    By langstoniam
    Needed a online checking account for all things Mac/Apple and this one is easy and functional and can be accessed through all my devices where ever I am ...
  • Best Financial App Ever

    By Chantelerae
    I LOVE LOVE this app, I’m so glad I came across it. Ever since started using this app, I’ve recommended it to friends and family. I love that it does not connect to my bank accounts and I can enter everything in manually. I also love how it connects to all of my Apple products (apple watch, iPhone, iPad, and Mac) so I can keep track and updated no matter where I am. I also am very impressed how many options and features there are; reports, budgets, transaction histories, and scheduled payments in one?! This is the app i’ve been looking for! The 1 thing that would help me would be to be able to categorize the transactions by year. For example, when you open your accounts you see all of your transactions that you’ve entered- well i have transactions from 2016-2018 and when I add or search for a transaction, I have to pay close attention to the date so I don’t get confused. I know you are able to break this down by year via the reports, however, it would be nice to also have it seperated in the accounts list as well. :)
  • Easy to use and keep track of your finances!

    By MeuryBee
    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.
  • blt

    By Not. Funny
    I love this app. It is the best and easiest I have tried. It is my ‘checkbook’ on my iPhone & its synced to my iPad and macbook. Love all the features. Keep up the good work. I have now been using D&C for several years and do not regret it for a moment. Its so much easier than using a check register. I absolutely love it. I highly recommend it to anyone who whats to stay on top of daily and monthly finances.
  • An All-in-One Account App

    By skirkse
    I went looking for an app that would populate across all my devices: MacBook Pro, iPad and iPhone. I needed it to be functional and automatically perform across all devices, but wasn’t going to cost me an arm and a leg to purchase. Debit & Credit has been amazing and so easy to use! I’m old school and love to reconcile our Checking Account down to the exact penny which means entering in every single transaction purchased. What I love is the simplicity of the app, as I can enter a transaction as soon as I’ve made a purchase from anywhere: on my computer, on my phone (after a store purchase) or anywhere. I can reconcile on the go & not be tied to one specific device. Best part is my husband downloaded the app on his iPhone and can see exactly where our money is. I’ve set up mutiple accounts and can visually see what’s where. I appreciate the “Scheduled” section as I’ve set up our Automatic Payments in this section and do nothing else - no more continuous entering of repitious monthly withdrawals! Love Credit and Debit and so happy with my purchase!!
  • Simple

    By Pacena24
    Great checkbook app. It simple and straightforward, I’ve been using it for over 6 months. I haven’t had any problems with the app. I also use the app on my iPad and and iPhone. All devices sycnc up with no proble.
  • Finally a finanace I can use.

    By trainmannut
    This app is really well done and most importantly when (not if) things do sideways the developer is quick to answer and provide assistance. The interface on both macOS and IOS is clean as are the displays of data I need to manage a multi currency household. I have used another finance app for 5 years that worked well but was not native to macOS and did not have an IOS equivalent. This fills the bill. I am really glad to have found this one. Right now there is no user forum but I think that would help greatly to relieve the burden of questions on the developer and provide this growing community of user a place to offer each other help.
  • Update

    By PhattDaddy
    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!
  • Wow what a find. Love it!

    By Tech Pro 2
    Just started using Debit Credit. Love it. Blows the others i have tried out of the water. Sync is seamless and automatic. Intuit could learn a few things from this company. Entries are simple and precise. Features are robust and no nonsense. Finally a app development company with the customer in mind. I will look for other products by this developer and tell as many people as possible.. Thanks for solving a big problem with apps. Got apps with integrity? Do now!
  • The PERFECT solution for a quick and easy to use bank register

    By TammyMalone
    This is a great application for keeping your checkbook balanced, organized, and keeping a budget. I LOVE the fact that I can split my transactions in to different categories so at the end of the month I can view the Reports and see where I am spening my money. Love all the recent updates and keeping this easy to use.