Comparison

Debt Manager 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 Manager

This app helps users pay off their debts faster and more efficiently. It utilizes the Debt Snowball method and offers various strategies, tracking tools, and 'what-if' scenarios to visualize progress and savings.

Highlights
  • Debt Snowball method
  • Multiple payoff strategies
  • Progress tracking and summary
  • Unlimited debt entry
  • 'What-If' scenario planning
  • Exportable reports and schedules
  • Interactive visualizations
Currently charting
Read full description

*** No. 1 Ranked Finance App in the US & UK *** 'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST! 5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job" 5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!" 5-Stars - "This app is three things: Simple. Effective. Spot On." 5-Stars - "The details, features and thought that went into creating this app are endless." 5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across." Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts. You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now! *** Features *** -------------------- √ Simple and intuitive user interface - helps you see results quickly and clearly √ Hints and tips - don't worry, we will guide you through the process √ Summary shows your payoff progress - includes progress bar, your debt free date and your interest/time savings √ Choose from multiple pay off Strategies - Lowest Balance First - Highest Interest First - Highest Balance First - Custom Order √ An unlimited number of debts can be entered - each debt can be individually analysed - payments may be entered as a percentage of balance - support for introductory rates e.g. 0% for 6 months √ Monthly Payments may be recorded - either automatic or manual recording - allows you to keep track of your progress √ Backup & Restore - use popular Dropbox service for online storage - keep your data safe - manually sync between devices √ Choice of payment periods - handles monthly, weekly and fortnightly payments √ Extra Payments can be entered against each debt - helps pay off your debts even faster - can be entered Monthly, Yearly or as a One Off √ Transactions can be entered against each debt - allows you to take into account expenses/purchases - can be entered Monthly, Yearly or as a One Off - will increase the debt balance √ Try out various 'What-If' scenarios e.g. - a change in interest rate - increased monthly payments √ Export the debt details via Email - professionally formatted PDF or HTML - export individual debts or overall summary - includes full amortization schedules - charts are attached to the email export √ Interactive reports - easy visualisation of the debt breakdown - compare debts side by side - press, hold and slide to see the costs per month - pinch to zoom √ Set of Calculators are included to help you compute: - monthly payments - extra payments - payoff date - refinance benefits √ Notification of payments due - so you never forget to record a payment √ Passcode protection - keep your data safe √ Full manual is embedded within the app - has all the info you will ever need

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 Manager4 screens
Debts Break4 screens

Verdict

The call

The clearest difference is price: Debts Break at Free against Debt Manager's $0.99. Debt Manager's advantage is rating (4.6 vs 4.1) and in-app purchases (none vs 3). On device support and iOS requirement 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

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

ReceptionRating · Positive reviews · Number of ratings

Debt Manager holds the better App Store score, 4.6 against 4.1. That said, the two scores are not equally well evidenced: Debt Manager has 554 ratings behind it against 96, so its average is the more settled of the two. Written reviews point the same way: 85% of Debt Manager's written reviews are positive against 59% of Debts Break's.

UpkeepUpdate frequency

Debt Manager ships an update every 6 weeks, Debts Break every 7 months. The most recent releases landed on September 28, 2026 and September 17, 2026 respectively.

Scorecard9 real differences · 2 level
Debt Manager versus Debts Break: the parameters behind the verdict, then further details
ParameterDebt ManagerDebts Break
Price$0.99Free — better
Rating4.6 (554 ratings) — better4.1 (96 ratings)
Positive reviews85.5% of reviews — better58.6% of reviews
Number of ratings554 — better96
Update frequencyEvery 6 weeks — betterEvery 7 months
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationPaidFree with in-app purchases — better
Best chart rank#107 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS15.5 — better15.6
Further details — not scored
Size34 MB40 MB
Age rating4+4+
DeveloperMH Riley LtdLINKLINKS LTD

Customer experience

Debt Manager

All ratings554 ratings
Positive89.7%
Neutral5.1%
Negative5.2%
Written reviews220 reviews
Positive85.5%
Neutral6.4%
Negative8.2%

Debts Break

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

User reviews

Debt Manager

From 554 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Helpful for tracking and paying off debt
  • 💡 Useful features like snowball and snowflake payments
  • 🔒 No subscription required
  • 👍 Customizable and flexible

Room to improve

  • 🐛 Issues with updating balances and interest rates
  • 🐛 Backdating changes can cause problems
  • 🐛 Difficulty adding new debts or changing payment details
  • 🐛 Lack of syncing between devices

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 Manager

Reported bugs

3 issues
  • Calendar and date issues causing problems
  • Minimum payment restrictions that don't work as expected
  • Debt balances not updating correctly after payments

Requested features

4 requests
  • Ability to add debt start dates
  • Monthly payment summary view
  • Profiles to manage multiple people's debt
  • More customization options for layout and visuals

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 Manager

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 Manager free?
Debt Manager 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 Manager or Debts Break?
Debt Manager is rated higher. Debt Manager averages 4.6 out of 5 from 554 ratings, while Debts Break averages 4.1 from 96 ratings.
Do Debt Manager or Debts Break have ads?
Debts Break shows ads; Debt Manager does not.
Which is updated more often, Debt Manager or Debts Break?
Debt Manager ships an update every 6 weeks, and Debts Break every 7 months. Most recently, Debt Manager was updated on September 28, 2026 and Debts Break on September 17, 2026.

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