# Debt Manager vs Debts Break

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.

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.

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.

Debt Manager ships an update every 6 weeks, Debts Break every 7 months. The most recent releases landed on October 1, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Debt Manager | Debts Break |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | **[4.6 (554 ratings)](https://appshunter.io/ios/app/debt-manager/id482482660/reviews)** | [4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews) |
| Number of ratings | **554** | 96 |
| Positive reviews | **85.5% of reviews** | 58.6% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 6 weeks** | Every 7 months |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | **#58** | — |
| Size | 34 MB | 40 MB |
| Requires iOS | **15.5** | 15.6 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [LINKLINKS LTD](https://appshunter.io/developer/600375781) |

## What reviewers say

### Debt Manager

[App page](https://appshunter.io/ios/app/debt-manager/id482482660)

**Currently charting:** #58 Top Paid · Finance (US App Store)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**Requested features**

- 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

[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 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 October 1, 2026 and Debts Break on September 30, 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.*