Debt Payoff Pro vs Debts Break
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Payoff Pro
This app helps you pay off debts faster using proven financial strategies like the debt snowball method. Track multiple debts, visualize progress with charts, and receive payment reminders. Includes bonus calculators for loans and mortgages.
- Debt snowball payoff method
- Multiple debt tracking
- Various payoff strategies
- Payment schedule and tracking
- Progress charts and reports
- Payment due date notifications
- Bonus financial calculators
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*** ON SALE 50% OFF FOR A LIMITED TIME *** Featured by Apple in "What's Hot" list Debt Payoff Pro will help you to payoff all your debts using the popular Debt-snowball method. The debt-snowball method is the primary debt management technique taught and recommended by many financial experts. Using this approach, you would pay the minimum payments on all your debts until your first debt is payoff. Then you would use the extra payment from the paid off debt and apply it to the next debt. The amount of extra payment will grow as more debts are payoff which results in a "snowball" affect that will help you to payoff subsequent debts faster and increasing your confidence in the process. * Bonus Calculator Apps Included - Payoff Date Calculator - Mortgage Calculator - Loan Calculator FEATURES * Universal Binary - Designed for iPhone, iPod Touch, and iPad devices. No need to buy separate apps for each device. * Multiple Debts Tracking - Track unlimited number of debts. * Multiple Payoff Strategies - Lowest Balance First - Highest Balance First - Highest Interest First - Custom Ordering * Debt Payment Tracking - Tracking your debt payment is as simple as highlighting the payment from the payment schedule. * Extra Payment Support - Make extra principal payments to pay off your debts faster. * Charts and Reports - See your total debts, debts remaining, total interest paid, total interest saving, debt payoff date, and debt payoff time savings via charts and reports. * Percent Paid Progress Bars - Progress bar for each debt helps motivate you toward paying off your debts. * Payment Due Date Notification - Reminds you when payments are due. You can also set the time of day that you want to be notified. * Amortization Table - A complete payment schedule allows you to view the interest, principal, and remaining balance for each and every payment of the loan. * Dynamic Custom Ordering of Debts - With the custom ordering strategy, you can dynamically change the order of debts payoff from the main screen and instantly see how it affects the total debt plus interest amount and the debt payoff date. * Payoff Date Calculator - Use the built-in calculator to see the how the monthly payment amount will affect the payoff date and total interest paid. * Passcode Security - Passcode protection to keep financial information private. * Export Capability - Export your payment list and amortization schedule in HTML format via email. * Large Number Keypad - Enter numeric amounts easier and faster with a large standard keypad. * Customization Settings and Icons - Configurable settings and beautiful debt icons to customize the application based on your preferences. * Debt Delete Lock - Prevents accidental deletion of debts and debt payment tracking. * Backup / Restore - Backup your data to your computer for safekeeping. Then restore it to your iOS device when you need to via the iTunes file sharing interface. * International Currency Supports - Currency support is based on the region setting of your device. * Clean, Intuitive User Interface * FREE Debt Payoff Lite Version - Not convinced if Debt Payoff Pro is right for you? Please download the free Debt Payoff Lite version and see for yourself.
Debts Break
This app helps you become debt-free using popular payoff strategies like the Snowball method. It offers visual tracking, detailed reports, and multiple payoff plans to manage your debts effectively and save on interest.
- 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
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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.
Screenshots
Verdict
The clearest difference is price: Debts Break at Free against Debt Payoff Pro's $0.99. Debts Break also leads on rating (4.1 vs 3.0) and review sentiment (59% vs 44%). Debt Payoff Pro's advantage is in-app purchases (none vs 3) and ads (none vs shown). On ratings volume and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Debts Break is free to download; Debt Payoff Pro costs $0.99 up front. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months. Debt Payoff Pro asks for nothing beyond the download.
Debts Break holds the better App Store score, 4.1 against 3.0. Both are backed by a comparable volume of ratings — 84 and 96 respectively. Written reviews point the same way: 44% of Debt Payoff Pro's written reviews are positive against 59% of Debts Break's.
Debt Payoff Pro ships an update monthly, Debts Break every 7 months. The most recent releases landed on September 29, 2026 and September 17, 2026 respectively.
| Parameter | Debt Payoff Pro | Debts Break |
|---|---|---|
| Price | $0.99 | Free — better |
| Rating | 3.0 (84 ratings) | 4.1 (96 ratings) — better |
| Positive reviews | 44.0% of reviews | 58.6% of reviews — better |
| Number of ratings | 84 | 96 — better |
| Update frequency | Monthly — better | Every 7 months |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Paid | Free with in-app purchases — better |
| Best chart rank | #105 — better | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 8.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 4 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | SVT Software | LINKLINKS LTD |
Customer experience
Debt Payoff Pro
Debts Break
User reviews
Debt Payoff Pro
From 84 App Store ratingsWhat we love
- 👍 Easy-to-use interface and simple layout
- 📊 Helpful visualization with pie charts and progress tracking
- 💰 Affordable price point ($0.99)
- 🎯 Effective debt snowball method implementation
- 📱 Works across iPhone and iPad devices
Room to improve
- 🐛 Date system frequently incorrect or stuck in past years
- ❌ Cannot edit existing debts without deleting and re-entering
- ❌ No flexibility for changing debt amounts or interest rates
- ❌ Limited payment frequency options (monthly only)
- ❌ Paid version offers minimal difference from free version
Debts Break
From 96 App Store ratingsWhat we love
- 👍 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
Room to improve
- 🐛 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
Bugs and requests
Debt Payoff Pro
Reported bugs
12 issues- Dates default to incorrect years (2016, 2018, 2023) instead of current year
- Cannot change or reset payment dates after initial entry
- Date system stuck in past years with no way to update
- App freezes and becomes unresponsive
- iPad version doesn't rotate properly, cutting off information
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- Incompatible with iOS 7 and newer updates
- Interest calculations are inaccurate
- Payment history resets when making any changes to plan
- Edit button on debt payment screen non-functional
- New debts are backdated to original entry date
- Pie chart labels cut off on reports screen
- Snowball method doesn't automatically apply payments to next debt
Requested features
20 requests- Bi-weekly, weekly, and fortnightly payment options
- Ability to edit debts without deleting and starting over
- Support for extra/one-time payments with impact visualization
- Ability to change payment dates and amounts flexibly
- Multiple debt payoff plans simultaneously
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- Cloud sync across devices (iCloud, Dropbox)
- Income tracking and integration
- Ability to add new debts with custom start dates
- Print functionality
- Payment reminders and congratulation notifications
- Support for different currencies
- Ability to track revolving credit account changes
- Semi-monthly and accelerated payment options
- Interest-free period tracking for credit cards
- Escrow accounting for mortgages
- Notes field for debt tracking
- Introductory rate and date range tracking
- Ability to reorder debts by amount
- Summary page showing monthly obligations
- Debt grouping by category (student loans vs credit cards)
Debts Break
Reported bugs
14 issues- 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
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- 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
Requested features
15 requests- 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)
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- 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
In-app purchases
Debt Payoff Pro
No in-app purchases
Debts Break
- Premium - 6 months$0.996 Months
- Remove ads$9.99
- Snowball method$9.99
Questions
Is Debt Payoff Pro free?
Is Debts Break free?
Which has better reviews, Debt Payoff Pro or Debts Break?
Do Debt Payoff Pro or Debts Break have ads?
Which is updated more often, Debt Payoff Pro or Debts Break?
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