What it does
Debit & Credit is a personal finance application for iOS and Mac with account folders, reports and financial plans. It works without a separate app account and has a free version limited to two displayed accounts. Premium adds account and budget sharing through iCloud, with an annual subscription.
Start with your account records
On a Mac, choose Add New Account in the sidebar. On iOS, open settings, select Accounts and use the bottom-panel button. Account folders can group the records you review together; financial plans compare expenses with income.
You can enter purchases manually or import CSV, QIF, QFX and OFX files. Import and export are in the Mac File menu or Import / Export in iOS settings. Transactions export as CSV, and the Mac app can send them to Numbers for formatting. Apple Wallet integration imports Apple Card, Apple Cash and Savings activity, with rules for categorization.
Share selected accounts
In settings, open iCloud Sync → Shared Accounts, enable sharing, choose accounts and enter the participants' iCloud email addresses. Send the generated link for them to accept. Shared transactions identify their creator, while unshared accounts remain separate.
Recipients can add, edit and delete transactions in shared accounts. They cannot change a budget someone else owns, and its totals must update on the owner's device before the recipient sees them.
Free version and Premium
The free version displays up to two accounts. The US iOS store lists Premium at US$19.99 per year. Sharing accounts and budgets needs Premium, and sharing does not pass the subscription to the recipient; someone who wants more than two displayed accounts needs their own upgrade.
This is an Apple-device workflow. Ordinary bank records use manual or file entry; Apple Wallet import is a separate integration.
Strengths
- Shared transactions identify who entered them
- Imports several bank-file formats and exports CSV
- Apple Wallet imports can apply categorization rules
Watch out for
- More than two displayed accounts requires Premium
- Shared budgets depend on updates from their owner's device
- Available for Apple devices
Best for
- Apple households sharing selected accounts and budgets
- People keeping detailed records from bank statements
Sources
- Debit & Credit: Apple Personal Finance (Oct 27, 2026)
- Debit & Credit: Creating Accounts (Oct 27, 2026)
- Debit & Credit: Import and Export (Oct 27, 2026)
- Debit & Credit: Shared Accounts and Budgets (Oct 27, 2026)
- Debit & Credit: US iOS Pricing (Oct 27, 2026)
- Debit & Credit: Frequently Asked Questions (Oct 27, 2026)