# Debt Payoff Planner vs Debts Break

The clearest difference is price: Debts Break at Free against Debt Payoff Planner's $1.99. Debts Break also leads on rating (4.1 vs 1.8) and update cadence (every 7 months vs every 57 months). Debt Payoff Planner's advantage is in-app purchases (none vs 3) and ads (none vs shown).

Debts Break is free to download; Debt Payoff Planner costs $1.99 up front. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months. Debt Payoff Planner asks for nothing beyond the download.

Debts Break holds the better App Store score, 4.1 against 1.8. That said, the two scores are not equally well evidenced: Debts Break has 96 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 50% of Debt Payoff Planner's written reviews are positive against 61% of Debts Break's.

Debt Payoff Planner ships an update every 57 months, Debts Break every 7 months. Both last shipped on October 12, 2026.

## The numbers

| Metric | Debt Payoff Planner | Debts Break |
| --- | --- | --- |
| Price | $1.99 | **Free** |
| Rating | [1.8 (5 ratings)](https://appshunter.io/ios/app/debt-payoff-planner/id455566854/reviews) | **[4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews)** |
| Number of ratings | 5 | **96** |
| Positive reviews | 50.0% of reviews | **61.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 57 months | **Every 7 months** |
| Monetization | Paid | **Free with in-app purchases** |
| Size | 2 MB | 40 MB |
| Requires iOS | 26.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Business Insights ICT](https://appshunter.io/developer/447666547) | [LINKLINKS LTD](https://appshunter.io/developer/600375781) |

## What reviewers say

### Debt Payoff Planner

[App page](https://appshunter.io/ios/app/debt-payoff-planner/id455566854)

This app helps you visualize and plan debt payoff scenarios for credit cards and mortgages. It provides practical projections to estimate payoff timelines, total interest, and the impact of different payment amounts, enabling informed financial decisions.

**Highlights:** Estimate debt payoff timelines, Project total interest and payments, Compare payoff scenarios, Manage multiple credit cards, Calculate mortgage payments, Visualize principal vs. interest

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 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 Planner free?

Debt Payoff Planner costs $1.99, 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 Planner or Debts Break?

Debts Break is rated higher. Debt Payoff Planner averages 1.8 out of 5 from 5 ratings, while Debts Break averages 4.1 from 96 ratings.

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

Debts Break shows ads; Debt Payoff Planner does not.

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

Debt Payoff Planner ships an update every 57 months, and Debts Break every 7 months. Most recently, Debt Payoff Planner was updated on October 12, 2026 and Debts Break on October 12, 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.*