Debit & Credit

Debit & Credit for PC and Mac

Written by Ivan Pavlov Pty Ltd

  • Category: Finance
  • Release date: 2022-05-24
  • Licence: Free
  • Software version: 5.5.5
  • File size: 4.20 MB
  • Compatibility: Available on Windows 11, Windows 10, Windows 8, Windows 7, Vista and Mac OS 10, 11 10.13
  • How it works | What is Debit & Credit?

Whatʹs Great

1. Split categories, Touch ID support, pending transactions, transaction export, transaction tags, printing reports and saving them as PDF files - all those and many other features are at your disposal when you need them.

2. 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.

Debit & Credit for PC and Mac Screenshots

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Debit & Credit Features and Description

Key Features

Latest Version: 5.5.5

  • Licence: Free

  • What does Debit & Credit do? 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 & Microsoft 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. • Financial Plans Plan ahead by creating a financial plan for the next year. Compare your performance against it and see your future net wealth. • 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. • Transaction Attachments There might be a number of a reasons why you might want to attach files to transactions. You can attach as many files as needed and they will be synced with iCloud. You can even use Continuity Camera to scan documents or take photos with your iPhone and receive them in the Windows app. • Powerful features Split categories, Touch ID support, pending transactions, transaction export, 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. Premium version is an annual subscription. Our privacy policy, as well as subscription terms are available at In case of any questions please don't hesitate to contact [email protected]

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    Software Installation Requirements

    PC Compactibility/Requirements for Installation

    Compactible OS list:
    1. Windows 11
    2. Windows 10
    3. Windows 8.1
    4. Windows 7
    5. Windows Vista

    Requirements for MacOS Installation

    Intel, 64-bit processor, OS X 10.7 or later.

    Compactible OS list:
    1. OS X 10.10: Yosemite
    2. OS X 10.11: El Capitan
    3. macOS 10.12: Sierra
    4. macOS 10.13: High Sierra
    5. macOS 10.14: Mojave8
    6. macOS 10.15: Catalina
    7. macOS Big Sur (macOS 11)


    Debit & Credit - Is it safe to download?

    Yes. The app is 100 percent (100%) safe to download and Install. Our download links are from safe sources and are frequently virus scanned to protect you

    Software Reviews and Critisims

    • By MeuryBee

      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.

    • 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!

    • By friedzen

      Wonderful Updated Review

      I have been using this debit and credit app for PC and iOS since April 11, 2015 and i haven’t look back. this is the frist software purchase i have made in a long time that i have no regrets buying and recommending to friends and other Microsoft product users. this app is frequently updated and contacting the developer is easy as pie. if you are reading this and haven’t purchased this app yet, what are you waiting for. for less than twenty bucks you can get this for your Windows and your iOS devices and have them sync though iCloud. So, you can stay on top of money and where it goes. Original review below: This is the App that, I have wanted for a long time, that syncs very fast and keeps me up to date on how much money i don’t have. I have been useing other money software to keep track of my daily expenses but it did not sync. So, i would have to try to remember everything and enter it when i got home but with this App not anymore. There is a very little bit of a learning curve coming from other money mangment software but not to drastic and if you have any questions, you can ask like i did about entering information or cloud syncing and Ivan gets back to you realy quick. I have the full version for the Windows Mini and the iPhone and paying 5.00 for both is a bargain compared to what other money software cost.

    • By NeONGeneSAr

      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!

    • By Sambovermont

      Great app and developer

      My family went from a slowly failing and suddenly unsupported basic bank register app (iRecconcile) to researching banking apps, to Quicken. Thus began a tumultuous and ultimately failing relationship with Quicken 2017. Quicken has a really slick MasOS app, but sadly has an iOS that a middle school coding class would be ashamed of. After many many documented and logged hours of tech support over 2 months, it became obvious that the iOS was a) a failure, and admittedly so by their tech support. And b) no plan was in place to immediately rectify the critical issues. Serenedipitously, I happened to see Debit & Credit showcased in the App Store….what a find ! This app is visually successful, full of functions, syncs flawlessly, and is easy to use. The developer has made use of many of iOS’s current features (like force touch and TouchID) to make use of this app even more powerful. All of Quickens ridiculous shortcomings are solved by this app, it’s a clear winner over the crowd of financial apps. Some complain there is not syncing with banks…our experience with Quicken was that their data (like available balance etc) from our bank was 24 hours old, and therefore useless compared to our own bank’s iOS app. I literally would pay 300% more for this app, it’s amazing.