Report updated Apr 25, 2026
Debts
For individuals actively managing personal debt who prefer a private, offline-first tool to track progress and execute payoff strategies like the debt snowball method.
Debts is a well-regarded finance app that is a paid app. Users particularly appreciate simplicity and ease of use, though inability to edit entries remains a common concern.
What is Debts?
Current Momentum
v2.7 · 4mo ago
MaintenanceThe app is currently in maintenance mode, with the last update focused solely on bug fixes and platform compatibility.
What makes this app unique?
What Does It Look Like?
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What Are The Key Features?
Built-in estimator that applies the debt snowball method to project payoff dates and interest savings.
No sign-up required, no ads, and all data is stored locally on the device.
Record detailed payment and spending transactions to maintain accurate debt balances.
View upcoming due dates and receive timely notifications for scheduled payments.
How much does it cost?
- One-time purchase of $2.99 on iOS
- Free version available on Android
The app uses a low-friction one-time purchase model on iOS to reinforce its 'no-ads' and 'no-signup' value proposition. However, the Android version is free and has not been updated since 2023, suggesting a lack of monetization or maintenance on that platform.
Who Built It?
Coopla
Providing simple, privacy-focused utility tools for personal finance, productivity, and text formatting. Enabling users to manage daily tasks and debts without ad-supported distractions.
Portfolio
3
Apps
What other apps does Coopla make?
Explore the full Coopla report
Portfolio breakdown, audience, momentum, and every app published by Coopla.
What do users think recently?
High confidence · 21 reviews analyzed
What is the recent mood?
Recent user voice shows a excited sentiment. Users appreciate simplicity and ease of use and effective debt calculations, but report inability to edit entries and lack of data sync and backup.
Limited review volume (21 reviews). Sentiment analysis will deepen as more data lands.
What is the competitive landscape for Debts?
How's The Finance Market?
How does it evolve in the Finance market?
Rank progression
6 active rankings tracked — 30-day window
The outtake for Debts
Strengths to defend, gaps to attack
Core Strengths
- Built-in Debt Snowball logic provides high motivational value
- Privacy-first architecture (no signup/no ads) builds user trust
- Clean and responsive UI consistently praised by users
Critical Frictions
- Inability to edit existing transactions causes significant user friction
- Lack of cloud sync prevents multi-device usage (iPhone/iPad)
- Android version is outdated (last update May 2023)
Growth Levers
- Implement encrypted iCloud sync to address data loss concerns
- Add 'Edit' functionality to reduce churn from data entry errors
- Introduce a small subscription for premium cloud features
Market Threats
- Modern debt trackers with automated bank sync are more convenient
- Declining App Store visibility (#82 Paid, ↓38)
- Technical debt on Android could lead to platform removal
What are the next best moves?
Implement a 'Edit Transaction' feature
This is the #1 functional complaint in user reviews; forcing users to delete and re-enter data is a major friction point.
Develop iCloud/Cloud Backup integration
Medium-frequency complaints highlight the fear of data loss and the inability to sync between iPhone and iPad.
Refresh the Android application
The Android version hasn't been updated since May 2023, risking incompatibility with newer OS versions and falling behind the iOS feature set.
Key Takeaways
Debts is a respected but aging utility that wins on privacy and its snowball calculator but is losing ground due to rigid UX. To reverse the current ranking decline, the PM must prioritize basic data-entry flexibility (editing) and opt-in cloud synchronization to meet modern user expectations for data safety.
Where Is It Heading?
Mixed Signals
v2.7 update (Dec 2025) shows active maintenance on iOS for the latest OS versions.
Ranked #82 Paid (↓38) in the US, indicating a significant loss in market momentum.
Android version stagnation (no updates since May 2023) suggests a fragmented platform strategy.