Debit & Credit
75
Quality Score
Strong
Debit & Credit
Medium confidence
✍️ bumetric analysis
“
Debit & Credit is an iOS app from Ivan Pavlov Pty Ltd in the Finance category, currently rated 4.8★ across 2,318 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 75: Strong (healthy traction). For a Finance app, that means healthy traction. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$5.0K
per month
→
12-mo forecast
$5.2K – $10.8K
per month
→
24-mo forecast
$6.4K – $19.2K
per month
MID tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
Loading…
Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
ONE-TIME · BUILD
💰 Estimated build cost
$80K
↳ What it cost to build · not monthly revenue
Likely range $60K – $110K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in ~4 months at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| ⚙ Finance complexity ×1.60 | +$30K |
Total estimate
$80K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$425K
↳ What it would sell for · not monthly revenue
Marketplace range $325K – $600K · 20× MRR multiple
💸
~5.3× return on build cost
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
Final multiple
20× MRR
👥 Estimated audience size
135K
Lifetime downloads (US-equivalent)
Monthly active
37K
Daily active
15K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Below median · 54/100MID TIERunderperforming peersGrowth Velocity
5.0
Founder Strength
6.6
Product Quality
8.6
Revenue Strength
3.7
Monetization Maturity
1.0
Defensibility
6.0
Market Position
2.0
Operational Safety
10.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.77★ across 2,318 reviews — strong (top 10%).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: dev shipping weekly.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $90K-$160K. Portfolio play ($79K/mo combined) commands premium.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 11 of 11 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Paid app ($0.00)METRIC | +$2,800 | |
| Excellent rating (4.8★)METRIC | +$2,200 | |
| worth every pennyREVIEW | +$2,000 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| excellent appREVIEW | +$1,500 | |
| Low install base (2,318 ratings)METRIC | +$1,500 | |
| Mature app (11y old)METRIC | +$1,500 | |
| Multilingual (11 languages)METRIC | +$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v7.7.2
This update resolves an issue where transactions created on a shared account displayed "another iCloud user" instead of the person's name. After installing this update, please open the shared account settings once to refresh your shared accounts.… Full release notes →
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Debit & Credit
- Developer
- Ivan Pavlov Pty Ltd
- Bundle ID
- com.mr-brightside.debitandcredit
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- NL, EN, FR, DE, IT, PT, RU, ZH, ES, TR, UK
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $21.4K/mo
- Top-grossing rank
- 🇮🇳#41 /100 🇫🇷#46 /100
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth2,322 ratings+44% lifetimeShow 3-year history estimate ▾
Tracked (43 weeks) Pre-tracking estimate (34 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Top Countries — Grossing Rank2 countries
🇮🇳IN#41 /100
🇫🇷FR#46 /100
📊Category Rank Trajectory#41 now · best #38 · worst #100
Lower line = better rank · Estimate from ratings growth model · Lower position on chart = worse rank · Higher = top of chart
🚀Version Release Timeline2 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
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 switch between them with one simple touch.
• Integration with Apple Card, Apple Cash, and Apple Savings
Get your transactions from Apple Card automatically imported into the app. Debit & Credit will help you to automatically categorize them using import rules.… View full description on the official store →
• 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 switch between them with one simple touch.
• Integration with Apple Card, Apple Cash, and Apple Savings
Get your transactions from Apple Card automatically imported into the app. Debit & Credit will help you to automatically categorize them using import rules.… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 26 MB🔞 4+📱 iOS 14.0+🔖 v7.7.2🔄 updated 0d ago🌐 NL, EN, FR, DE, IT +6📂 Finance💰 Paid
📅
What Worked™ · Development Pipeline
9 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-05
📈
Crossed 500 ratings — social-proof flywheel kicking in
2026-05
🔄
Monetization changed: paid → free
2016-12
📈
Crossed 100 ratings — social-proof flywheel kicking in
2016-01
📈
Crossed 50 ratings — social-proof flywheel kicking in
2015-01
📈
Crossed 10 ratings — social-proof flywheel kicking in
2014-12
⭐
Rating ↓ 4.60 → 4.00 (dropped 0.60★)
2014-10
⭐
Rating ↑ 4.00 → 4.33 (improved 0.33★)
2014-10
⭐
Rating ↑ 3.00 → 4.00 (improved 1.00★)
2014-09
🚀
First tracked snapshot — initial data captured
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇦🇺 AU | 4.68098★ | 163 | 4.68098★ this version |
| 🇧🇷 BR | 4.77778★ | 90 | 4.77778★ this version |
| 🇨🇦 CA | 4.74163★ | 209 | 4.74163★ this version |
| 🇩🇪 DE | 4.73076★ | 104 | 4.73076★ this version |
| 🇫🇷 FR | 4.6569★ | 239 | 4.6569★ this version |
| 🇬🇧 GB | 4.70815★ | 466 | 4.70815★ this version |
| 🇮🇳 IN | 4.76142★ | 197 | 4.76142★ this version |
| 🇯🇵 JP | 4.90909★ | 11 | 4.90909★ this version |
| 🇺🇸 US | 4.7695★ | 2,321 | 4.7695★ this version |
🔔
Track this app’s revenue
FREEGet an email when revenue moves by your threshold. No spam, unsubscribe in one click.
📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Debit & Credit: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
More by Ivan Pavlov Pty Ltd
View all →📦 Portfolio summaryINDIE studio
3apps·$79K/mocombined
Lead-app heavy — top app contributes 52%
About this analysis
Why medium confidence: 2,318 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
4 answers · auto-generated from this app's public dataHow much does Debit & Credit make per month?▴
Based on our ML-calibrated revenue forecast, Debit & Credit earns approximately $21K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
What apps are like Debit & Credit?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
Who makes Debit & Credit?▴
Debit & Credit is published by Ivan Pavlov Pty Ltd on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Debit & Credit's BU Score?▴
Debit & Credit has a BU Score of 75/100 (Strong). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.