Comparison

Debt Payoff Assistant vs Debts Break

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debt Payoff Assistant

This app helps you pay off debts faster using popular methods like the debt-snowball. Track multiple debts, set custom payoff strategies, and visualize your progress with charts and reports. Get payment reminders and secure your financial data.

Highlights
  • Debt-snowball method
  • Multiple debt tracking
  • Custom payoff strategies
  • Payment schedule and tracking
  • Progress charts and reports
  • Payment due date notifications
  • Passcode security
Features
Read full description

Debt Payoff Assistant 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. Debt Payoff Assistant is a free full-featured version supported by ads. For an ads-free version, please search for "Debt Payoff Pro" in the App Store. 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. * Built-in Calculators - Payoff Date Calculator - Mortgage Calculator - Loan Calculator * 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

About

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.

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
Read full description

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

Debt Payoff Assistant4 screens
Debts Break4 screens

Verdict

The call

The clearest difference is rating: Debts Break at 4.1 against Debt Payoff Assistant's 3.6. Debts Break also leads on review sentiment (59% vs 46%). Debt Payoff Assistant's advantage is in-app purchases (none vs 3) and ads (none vs shown). On price, ratings volume, update cadence 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months. Debt Payoff Assistant asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Debts Break holds the better App Store score, 4.1 against 3.6. Both are backed by a comparable volume of ratings — 136 and 96 respectively. Written reviews point the same way: 46% of Debt Payoff Assistant's written reviews are positive against 59% of Debts Break's.

UpkeepUpdate frequency

Debt Payoff Assistant ships an update every 5 months, Debts Break every 7 months. The most recent releases landed on August 16, 2026 and September 17, 2026 respectively.

Scorecard6 real differences · 4 level
Debt Payoff Assistant versus Debts Break: the parameters behind the verdict, then further details
ParameterDebt Payoff AssistantDebts Break
PriceFreeFree
Rating3.6 (136 ratings)4.1 (96 ratings) — better
Positive reviews45.6% of reviews58.6% of reviews — better
Number of ratings136 — better96
Update frequencyEvery 5 months — betterEvery 7 months
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS8.0 — better15.6
Further details — not scored
Size4 MB40 MB
Age rating4+4+
DeveloperSVT SoftwareLINKLINKS LTD

Customer experience

Debt Payoff Assistant

All ratings136 ratings
Positive57.4%
Neutral19.9%
Negative22.8%
Written reviews125 reviews
Positive45.6%
Neutral24.8%
Negative29.6%

Debts Break

All ratings96 ratings
Positive78.1%
Neutral9.4%
Negative12.5%
Written reviews99 reviews
Positive58.6%
Neutral16.2%
Negative25.3%

User reviews

Debt Payoff Assistant

From 136 App Store ratings

What we love

  • 🚀 Motivating progress tracking
  • 👍 Simple and easy to use
  • 💡 Helpful debt payoff strategies
  • 🚀 Efficient debt management

Room to improve

  • 🐛 Inaccurate date calculations
  • 🔧 Lack of flexibility to edit entries
  • 💡 Need for additional payment frequency options (weekly, bi-weekly)
  • 🔧 Issues with adding new debt

Debts Break

From 96 App Store ratings

What 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 Assistant

Reported bugs

3 issues
  • App freezes or crashes when trying to enter data
  • Incorrect payoff dates shown when adding new debt
  • Unable to undo or cancel accidental payments

Requested features

4 requests
  • Add ability to edit payment amounts and dates
  • Implement weekly/bi-weekly payment options
  • Allow lump sum payments and see impact on payoff date
  • Sync data across devices via iCloud

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
Show 9 more
  • 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)
Show 10 more
  • 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

None

Debt Payoff Assistant

No in-app purchases

3 purchases

Debts Break

Subscriptions1
  • Premium - 6 months$0.996 Months
One-time2
  • Remove ads$9.99
  • Snowball method$9.99

Questions

Is Debt Payoff Assistant free?
Debt Payoff Assistant is free to download, 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 Assistant or Debts Break?
Debts Break is rated higher. Debt Payoff Assistant averages 3.6 out of 5 from 136 ratings, while Debts Break averages 4.1 from 96 ratings.
Do Debt Payoff Assistant or Debts Break have ads?
Debts Break shows ads; Debt Payoff Assistant does not.
Which is updated more often, Debt Payoff Assistant or Debts Break?
Debt Payoff Assistant ships an update every 5 months, and Debts Break every 7 months. Most recently, Debt Payoff Assistant was updated on August 16, 2026 and Debts Break on September 17, 2026.

Other comparisons