# Debts Break — Payoff Plan & Snowball Method

> Debt payoff planner using Snowball and other strategies with visual tracking. (iPhone/iPad app by LINKLINKS LTD.)

- Source: https://appshunter.io/ios/app/debts-break/id849585927 (this page in markdown: same URL + `.md`)
- Developer: [LINKLINKS LTD](https://appshunter.io/developer/600375781)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.10/5 from 96 App Store ratings · 99 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 40 MB
- Languages: American English, Arabic, Catalan, Czech, Danish, Dutch, French (France), German (Germany), Hebrew, Hindi and 18 more
- Released: 2014-04-01
- Data updated: 2026-08-22
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debts-break/id849585927/reviews.md

## What is Debts Break?

The mission of this app is helping you become debts free by Snowball method which is most popular used and recommended by many financial experts. 

There are five strategies provided, Highest Interest Rate First, Lowest Balance First. Highest Balance First, Earliest Payment Date First and Custom Order, Debts Break will show you pay off date and interest saved by each strategy. Use this app to manage your debts and track the pay off processes visually. 

Key Features: 
⁃ Shows remaining balance, monthly payments, paid amount and percentage of each debt. 
⁃ Update remaining balance automatically. 
⁃ Lists payment logs, mark them as paid or unpaid. 
⁃ Add extra payment for any debts. 
⁃ Supports zero interest rate. 
⁃ Add notification for each debt. 
⁃ Send Debt payments by email. 
⁃ Five Snowball Payoff plan: Highest Interest Rate First, Lowest Balance First, Highest Balance First, Earliest Payment Date First and Custom Order. 
⁃ Shows pay off date and interest saving of each strategy. 
⁃ Turn Snowball method ON or OFF. 
⁃ Four calculators: Loan, Payoff Date and Mortgage and Affordable Loan, send amortizations out by email. 
⁃ Reports for percentage and balance amount of each debt, pie chart for balance and interest. Chart view of monthly amount of each debt. Chart view of yearly total debts payment and each debt. 
⁃ Passcode protection. 
⁃ Supports Touch ID as passcode.
⁃ Supports Wifi Backup and Restore. 
⁃ Supports iCloud Backup and Restore. 
⁃ Supports universal version (available on both iPhone and iPad).
⁃ Adds 3D Touch function.
⁃ Supports Apple Watch.

If you have any question, please email to linklinksapp@tom.com.

## Key features

- Debt payoff strategies (Snowball, Highest Interest, Lowest Balance, etc.)
- Visual debt tracking and progress monitoring
- Automatic balance updates
- Payment logs and extra payment options
- Loan, payoff date, and mortgage calculators
- Detailed reports and charts
- Passcode and Touch ID protection

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium - 6 months | $0.99 | per 6 months |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Remove ads | $9.99 | one-time |
| Snowball method | $9.99 | one-time |


## What do users think of Debts Break?

Overall sentiment: mixed

**Pros**

- 👍 User-friendly interface and easy to navigate
- 📊 Clear visual charts and graphs for debt tracking
- 💰 Effective debt snowball method for motivation
- 🎯 Simple and straightforward debt management
- 📱 Clean, attractive design
- 🔧 Customizable payment plans and schedules
- ⚡ Quick calculations and instant results
- 🎨 Well-organized layout for viewing all debts at once
- 📈 Helpful progress tracking and visual motivation

**Cons**

- 🐛 Frequent app crashes and freezing issues
- ❌ Decimal point removal in interest rates (major bug)
- ⚠️ Inaccurate calculations after updates
- 🔔 Notification system not working properly
- 💸 Snowball feature locked behind paywall
- 🚫 Cannot edit actual payment amounts made
- ❌ Limited payment frequency options (no biweekly)
- ⚠️ Slow performance and long load times
- 🔧 Data loss after crashes
- 📧 Poor customer support response
- 🎯 Automatic payment redistribution without user approval
- ❌ Cannot delete paid-off debts
- 💳 No support for non-traditional loan types
- 🌍 Limited currency support (no GBP)

**Commonly reported bugs**

- Decimal points removed from interest rate input fields
- Cannot enter decimal interest rates (e.g., 4.75%)
- App crashes when entering debt information
- Notifications persist after deleting payments
- App freezes and becomes unresponsive
- Data loss after crashes
- Automatic payment transfers between debts without authorization
- Cannot modify payment amounts after initial entry
- Reminders not functioning on certain iOS versions
- Error messages when entering minimum payment balances
- Slow app performance and extended load times
- Glitches when switching between payoff methods
- Payment schedule calculations appear inaccurate in some cases
- Accidental ad clicks due to poor ad placement

**Most requested features**

- Biweekly and weekly payment options
- Ability to enter actual payment amounts made
- Extra/additional payment functionality
- Loan ending date field
- Support for recurring bills without balances (utilities, phone)
- Asset tracking in addition to debt
- Ability to edit payment due dates
- Late fee and purchase tracking
- Additional snowball method (largest to smallest payment)
- Better help and tutorial documentation
- Ability to delete paid-off debts
- Support for multiple currencies
- Fortnightly/monthly cycle customization
- More detailed payment schedule view
- Ad removal after paid purchases

## Recent user reviews (10 of 99)

All indexed reviews: https://appshunter.io/ios/app/debts-break/id849585927/reviews.md

### 5/5 — Dept break

*2026-05-19, version 8.0*

Excellent app

### 5/5 — Dept break

*2026-03-04, version 7.0*

Excellent app

### 3/5 — 更新了一堆bug

*2025-02-18*

报告打开就卡死~总利息和总还款永远200

### 2/5 — Not Enough Information

*2024-06-20, version 6.0*

There needs to be a loan ending date added, not all lenders use conventional methods in our current economy.

### 3/5 — Removed decimal point

*2024-05-06, version 5.1.1*

Used to love this app but an update over a year ago removed the decimal so the amounts are inaccurate. Emailed the help desk with no response.
Also, why is there still no option for biweekly??

### 2/5 — Decimals went away

*2024-01-12, version 5.1.1*

Bring back the decimals for the interest rates !

### 3/5 — Interest Rate Bug

*2023-10-19, version 5.1*

Cannot enter an interest rate decimal like 4.75 it only accepts 4%. iPhone 14 on iOS 17.

### 5/5 — Glitch?

*2023-02-08, version 5.1*

I’ve used this app for quite some time and I’ve loved it, but the newest update got rid of decimal points when typing percentages. I no longer can put the interest being 5.45%. I have to put 5% which makes it very inaccurate.

### 4/5 — Nice app

*2022-07-31, version 5.0*

The layout is nice, easy to understand, customizable.

### 4/5 — I like it

*2021-11-01, version 5.0*

For what I needed done I like it. I was down to 2 debts my my mortgage and a car payment. I was paying twice a month, so had it notify me a reminder. Well, I paid it off early, but still getting notifications to pay. I then deleted that payment off my account. I am still getting notifications. I’ve tried everything to get it to stop. It looks like I will have to delete app and restart, which is a pain.

## Frequently asked questions about Debts Break

### What does the app do?

This app helps users become debt-free by implementing popular payoff strategies like the Snowball method. It allows you to manage your debts, track your payoff progress visually, and see how much interest you can save.

### What are the key features of this debt payoff app?

Key features include multiple payoff strategies (Snowball, Highest Interest Rate First, Lowest Balance First, etc.), automatic remaining balance updates, payment logging, the ability to add extra payments, and various calculators for loans and mortgages. It also provides detailed reports and charts for visual tracking.

### How much does the app cost?

The app is free to download and use, but it does offer in-app purchases. Specific details on what features or content are behind in-app purchases are not provided in the description, but the presence of ads also indicates a free-to-start model.

### What kind of debts can I manage with this app?

The app is designed to help you manage various types of debts. You can input details for each debt, including its remaining balance, monthly payments, and interest rate, allowing for comprehensive debt management across multiple obligations.

### Can I use this app on multiple devices?

Yes, the app supports a universal version, meaning it is available on both iPhone and iPad. It also offers Wifi and iCloud backup and restore options, facilitating data management across your Apple devices.

## Version history (last 5 releases)

### 8.0 — 2026-04-27

⁃ Bugs fixes and stability improvements.

### 7.0 — 2025-11-19

⁃ Compatible with iOS 26.
⁃ Adds Catalan, Danish, Hebrew, Hungarian, Romanian, Slovak, Swedish and Vietnamese.
⁃ Other minor bugs fixed.

### 6.1 — 2024-11-06

⁃ Compatible with iOS 18.
⁃ Other minor bugs fixed.

### 6.0 — 2024-05-27

⁃ Adds Korean, Arabic, Czech, Dutch, Indonesian, Polish, Thai, Traditional Chinese, Hindi and Malay.
⁃ Other minor bugs fixed.

### 5.1.1 — 2023-11-22

⁃ Compatible with iOS 17.
⁃ Other minor bugs fixed.

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All apps by LINKLINKS LTD: https://appshunter.io/developer/600375781

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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 2026-08-22.*