# debtbrak: Faster Debt Payoff — Pay Off Credit Cards & Loans

> Personal finance app for tracking spending, budgets, debt, and investments. (iPhone/iPad app by RIZZMONEY LLC.)

- Source: https://appshunter.io/ios/app/debtbrak-faster-debt-payoff/id6757175001 (this page in markdown: same URL + `.md`)
- Developer: [RIZZMONEY LLC](https://appshunter.io/developer/1849822177)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 7 App Store ratings · 5 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 37 MB
- Languages: American English
- Released: 2026-05-01
- Data updated: 2026-09-14
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debtbrak-faster-debt-payoff/id6757175001/reviews.md

## What is debtbrak?

Get out of debt faster. One verified move at a time.

Most money apps show you what already happened. debtbrak tells you the one thing to do next — then confirms from your accounts that you actually did it, and shows you exactly how much sooner you're free.

It's a behavioral debt-elimination system for people who are done watching their balances and want out. Credit cards, student loans, car notes — whatever you're carrying.

ONE MOVE, NOT A TO-DO LIST

Instead of an overwhelming plan, you get a single safe, high-impact action:

"Pay $125 to your highest-APR card by the 15th."
• 18 days sooner to debt-free
• $82 less interest
• $780 Emergency fund untouched

Accept it, adjust the amount, or move it to payday. debtbrak then watches your connected accounts, confirms the payment posted, measures the real balance change, and moves your freedom date. Then it builds your next move.

No check-boxes. If it didn't happen in your bank account, it didn't happen.

HOW IT WORKS

- See your whole route on a visual map: what's left, your freedom date, what's next
- Compare three paths — current pace, your plan, and a safe faster option — so you see the cost of a choice before you make it
- Turn that choice into a real mission with a real amount and a real deadline
- Watch your acceleration: "You shaved 11 days off your debt-free date this week"
- Cross real milestones: first 10% gone, first card cleared, 25/50/75%, debt-free

IT PROTECTS YOUR CASH FIRST

debtbrak knows the difference between money that is visible in your account and money that is safe to send to debt. It protects your Emergency fund and covers your minimums first. Sometimes it tells you to pay less.

A COACH THAT SHOWS ITS WORK

Ask why a move was recommended. Test it yourself: "What if I only pay $75?" "Can this wait for my next paycheck?" You see the real consequence, in days and dollars, before you commit.

MISS ONE? YOU'RE NOT BEHIND.

No streak to break, nothing turns red. debtbrak asks what got in the way and builds a smaller or later recovery route so you stay in motion. A missed mission never pushes you toward paying.

WHY debtbrak

The hard part of getting out of debt was never the math — it's execution. debtbrak is the accountability engine that turns "I should really pay this down" into "I paid $340 to my highest-APR card this month, verified, and cut five weeks off my timeline."

You're not tracking your debt. You're leaving it.

PRIVATE AND SECURE

- Encrypted, read-only bank connections
- debtbrak never moves your money — you make every payment yourself
- Your financial data is never sold. No ads.

MEMBERSHIP

Your first two missions are free. Continue with debtbrak Membership for unlimited missions and the Debt Coach.

Learn more: https://www.debtbrak.com
Terms of Use: https://www.debtbrak.com/terms
Privacy Policy: https://www.debtbrak.com/privacy

## Key features

- All-in-one financial dashboard
- Real-time spending tracking
- Budget progress monitoring
- Debt payoff planning
- Investment tracking
- Customizable alerts

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly | $9.99 | per month |
| Yearly | $79.99 | per year |


## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/debtbrak-faster-debt-payoff/id6757175001/reviews.md

### 5/5 — Debt Free

*2026-08-28*

Since I have gotten this app my debt payoff accelerated significantly….your girl is now debt free !!!!!!!

### 5/5 — Best debt guidance app

*2026-08-18*

I have been using this app to help navigate my debts from credit cards, students loans and car loans. I like that it looks at my transactions and tells me exactly what I need to do to make the payments that it recommends. It’s a big aggressive on the recommendation but i like it because I want to out of debt faster than a lighting lol. I also love the iMessage extension very convenient to chat with the AI coach!!!

### 5/5 — Love it !!

*2026-06-16*

I love that it shows what actions I need to take to better my finances and the commitment section 😍 🤭

### 5/5 — Game Changer!

*2026-05-27*

RizzMoney is a fantastic financial app! It’s exactly what I needed to monitor my entire financial life. Being able to view all my bank and brokerage accounts together on one dashboard makes managing my money and investments so much simpler. Highly recommend downloading this app.

**Developer response:** Thank you DanLeeRot - We appreciate your honest feedbacks :)

### 5/5 — First Impression

*2026-05-13*

The app UI is super sleek and modern, it honestly makes me want to open it and check in every day. I also really like how the features are organized, everything feels intuitive. I use the investment tab a lot to track my Roth IRA growth, and it’s been really helpful for getting a quick snapshot of how things are doing.

**Developer response:** Thank you thank you !!!!!!!!!!

## Frequently asked questions about debtbrak

### What is RizzMoney?

RizzMoney is a personal finance app designed to give you a complete overview of your financial situation. It helps you track spending, manage budgets, monitor debt, and follow your investments from a single platform.

### How does RizzMoney help with budgeting?

RizzMoney allows you to set up budgets and track your progress in real-time. You can monitor spending by category and receive alerts to avoid month-end surprises, ensuring you stay on pace with your financial goals.

### Is RizzMoney secure for my financial data?

Yes, RizzMoney uses secure, read-only connections for linked accounts and employs bank-grade encryption practices. The app also features Face ID lock for quick and secure access and states it does not sell your financial data.

### What are the subscription options for RizzMoney?

RizzMoney offers a 30-day trial for $1 on a monthly subscription and a 3-month trial for $1 on a yearly subscription. Subscriptions automatically renew unless canceled at least 24 hours before the current period ends.

### Can I cancel my RizzMoney subscription?

Yes, you can manage or cancel your subscription at any time through your App Store account settings. Subscriptions will automatically renew unless canceled at least 24 hours prior to the end of the current billing cycle.

### Does RizzMoney have ads?

No, RizzMoney is ad-free. The app explicitly states that it has no advertisements and does not sell user financial data, focusing on a clean user experience.

### What devices is RizzMoney available on?

RizzMoney is available on iPhone, iPad, and iPod. It is designed for iOS devices and supports a 4+ age rating.

### How often is RizzMoney updated?

The latest version of RizzMoney is 1.0.10, and it was last updated on June 18, 2026. This indicates regular updates to improve functionality and security.

## Version history (last 5 releases)

### 1.0.28 — 2026-09-14

- Notification bug fixes

### 1.0.27 — 2026-09-05

- Security updates and Performance improvements

### 1.0.22 — 2026-09-02

- Bug fixes 
- Performance improvements

### 1.0.21 — 2026-08-29

- Account removal update

### 1.0.20 — 2026-08-25

- Coach bug fixes

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## More apps by RIZZMONEY LLC

- [XP Circles](https://appshunter.io/ios/app/xp-circles/id6754729820)

All apps by RIZZMONEY LLC: https://appshunter.io/developer/1849822177

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-14.*