# Debt Payoff Assistant vs Debts Break

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.

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.

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.

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.

## The numbers

| Metric | Debt Payoff Assistant | Debts Break |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (136 ratings)](https://appshunter.io/ios/app/debt-payoff-assistant/id475099959/reviews) | **[4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews)** |
| Number of ratings | **136** | 96 |
| Positive reviews | 45.6% of reviews | **58.6% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 5 months** | Every 7 months |
| Monetization | **Ad-supported** | Free with in-app purchases |
| 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 Assistant

[App page](https://appshunter.io/ios/app/debt-payoff-assistant/id475099959)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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

[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 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.

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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.*