# Debt Payoff Pro vs Debts Break

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.

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.

## The numbers

| Metric | Debt Payoff Pro | Debts Break |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | [3.0 (84 ratings)](https://appshunter.io/ios/app/debt-payoff-pro/id429095280/reviews) | **[4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews)** |
| Number of ratings | 84 | **96** |
| Positive reviews | 44.0% of reviews | **58.6% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 7 months |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | **#112** | — |
| Size | 4 MB | 40 MB |
| Requires iOS | **8.0** | 15.6 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [SVT Software](https://appshunter.io/developer/286029963) | [LINKLINKS LTD](https://appshunter.io/developer/600375781) |

## What reviewers say

### Debt Payoff Pro

[App page](https://appshunter.io/ios/app/debt-payoff-pro/id429095280)

**Currently charting:** #112 Top Paid · Finance (US App Store)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


### Debts Break

[App page](https://appshunter.io/ios/app/debts-break/id849585927)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 6 months | $0.99 | per 6 months |
| Remove ads | $9.99 | one-time |
| Snowball method | $9.99 | one-time |

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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

**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

**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)


## Frequently asked questions

### Is Debt Payoff Pro free?

Debt Payoff Pro costs $0.99, with no in-app purchases.

### Is Debts Break free?

Debts Break is free to download, with in-app purchases available.

### Which has better reviews, Debt Payoff Pro or Debts Break?

Debts Break is rated higher. Debt Payoff Pro averages 3.0 out of 5 from 84 ratings, while Debts Break averages 4.1 from 96 ratings.

### Do Debt Payoff Pro or Debts Break have ads?

Debts Break shows ads; Debt Payoff Pro does not.

### Which is updated more often, Debt Payoff Pro or Debts Break?

Debt Payoff Pro ships an update monthly, and Debts Break every 7 months. Most recently, Debt Payoff Pro was updated on September 29, 2026 and Debts Break on September 17, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*