Report updated May 21, 2026
Borç Alacak
For individuals or small-scale users needing a simple, manual tool to track personal debts, credits, and cash flow.
Borç Alacak is an established business app that is completely free.
What is Borç Alacak?
Borç Alacak is a manual debt and cash flow tracking utility for individuals on iOS.
Users hire this app for offline, private control over personal ledgers where automated banking connections are either unavailable or distrusted.
Current Momentum
v1.3 · 45mo ago
Zombie- No major updates since August 2022.
- Maintenance-mode status limits user acquisition.
Active Nemesis
Household account book
By UNITED
Other Rivals
7-Day Rank Pulse 🇺🇸
BusinessNo ranking data
Rating Pulse 🇺🇸
Gathering signals...
What makes this app unique?
What Does It Look Like?
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What Are The Key Features?
Records individual debt and credit entries for contacts added manually or via phonebook
Tracks income and expense entries to monitor cash balance
Organizes records by specific working years to reduce data clutter
Allows exporting and importing data to maintain continuity across different devices
How much does it cost?
- Free application with no stated subscription or IAP
The application is currently offered as a free utility with no visible monetization gates.
Who Built It?
Enrichment in progress
Publisher profile available very soon
What other apps does Ceviz Yazilim Bilisim Danismanlik Ith.Ihr.San.Tic.Ltd.Sti. make?
What do users think recently?
Analysis in progress, available soon
What is the competitive landscape for Borç Alacak?
Where is it available?
Localized markets (1)
How's The Business Market?
Borç Alacak operates as a free, manual-entry utility in the Business category. The app lacks active chart presence or recent update signals, indicating it serves a niche, low-engagement user base that prioritizes offline privacy over the automated, cloud-synced workflows found in category leaders.
Which niche is Borç Alacak in?
to track debts and personal cash flow
Explore the full Budgeting Loggers niche
Every app in this space — 44 tracked, the niche's live rankings, and Marlvel's editorial take on the job-to-be-done.
The rivals identified
Nemeses(1)
This app dominates the personal finance space by combining core ledger functionality with high-engagement gamification, directly competing for the attention of users seeking simple expense tracking.
Differentiators
- Utilizes gamified content and character-based rewards to drive daily user retention and habit formation.
- Provides sophisticated visual analytics that transform raw transaction data into actionable financial health insights.
- Maintains a massive user base and brand recognition that creates a significant barrier to entry.
Head to head
The target should pivot toward a 'professional-first' niche, emphasizing data privacy and manual control to avoid a direct feature war with the gamified leader.
Contenders(4)
Competes by offering a flexible, tag-based organizational system that provides a modern alternative to traditional folder-based ledger structures.
Differentiators
- Implements a flexible hashtag-based tagging system that allows for custom, non-linear expense categorization.
- Prioritizes dedicated security features for sensitive financial data, appealing to privacy-conscious ledger users.
Targets the same demographic of users who require structured expense tracking and receipt management for professional or personal accountability.
Challenges the target app by leveraging AI-driven automation to reduce the manual labor of bookkeeping.
Competes by offering advanced accounting subjects and multi-asset tracking that appeal to power users needing more than basic ledger functionality.
Differentiators
- Includes Apple Watch integration for rapid transaction logging on the go, which the target lacks.
- Supports complex accounting subjects that cater to power users requiring more than simple debt tracking.
Same space(3)
Targets the Turkish market with specialized financial tools for installment and tax calculations, overlapping with the target app's regional focus.
Differentiators
- Specializes in investment yield projections and installment vs. cash comparisons for real estate decisions.
- Includes tax withholding adjustment tools that are highly relevant to the local Turkish financial market.
Addresses the 'split-payment' use case often found in debt tracking, focusing on rapid, situational financial calculations.
Differentiators
- Optimized for rapid, single-session calculations like tip splitting and bill rounding for social settings.
- Employs a privacy-focused design that requires zero account creation or data storage for users.
Operates in the financial utility space by providing specific, rule-based calculations for government aid eligibility.
Differentiators
- Provides state-specific rule engines that automate complex eligibility calculations for government assistance programs.
- Focuses on highly specialized financial screening tools rather than general-purpose ledger management.
Compare Borç Alacak against every rival
All rivals in one side-by-side table — identity, store metrics, ratings & sentiment, and strategic intel — plus a head-to-head page for each.
The outtake for Borç Alacak
Strengths to defend, gaps to attack
Core Strengths
- Fiscal year filtering reduces data clutter for long-term users
- Manual entry model ensures total data privacy for sensitive ledgers
Critical Frictions
- No cloud-sync functionality creates significant data-loss risk
- Manual-only entry creates high friction compared to automated banking apps
Growth Levers
- Integration of automated bank-feed APIs could capture users seeking efficiency
- Wearable companion apps could reduce logging friction
Market Threats
- Voice-based entry competitors like Expense Whisper remove the manual friction barrier
- Cloud-native ledgers offer superior data portability
What are the next best moves?
Implement cloud-sync via iCloud because manual backup is the top friction point → increase retention
Manual backup is a known barrier to continuity in ledger apps.
Trade-off: Pause the development of new reporting templates — cloud-sync has a higher impact on user retention.
A counter-intuitive read
The app's lack of cloud-sync is not a weakness but a moat for privacy-conscious users who distrust the data-sharing requirements of automated banking apps.
Feature Gaps vs Competitors
- Cloud-based synchronization (available in The Ledger Book but missing here)
- Automated bank-feed integration (available in AccountingBook but missing here)
- Wearable device logging (available in AccountingBook but missing here)
Key Takeaways
Borç Alacak provides a stable manual ledger for privacy-focused users, but the lack of cloud-sync and automated entry leaves it vulnerable to modern competitors, so the PM should prioritize cloud-sync to prevent churn.
Where Is It Heading?
Stable
The personal finance market is shifting toward automated, cloud-synced experiences that minimize manual data entry. Borç Alacak remains exposed to churn as users prioritize convenience, so the long-term viability depends on modernizing the data-sync architecture.
The app has remained in maintenance mode since 2022, signaling a focus on stability rather than growth.
The absence of cloud-sync features in the current market environment limits the app's ability to compete with modern, automated finance tools.