Comparison

Owe 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

Owe

This app helps you manage personal finances by tracking who owes you money and who you owe. It simplifies budgeting and ensures you never miss payment deadlines. Visualize your finances with list or calendar views and stay informed with a convenient homepage widget.

Highlights
  • Track one-off payments
  • Manage recurring payments
  • Filter payments by status/type
  • Customizable date and currency formats
  • List and calendar payment views
  • Homepage widget for upcoming payments
Features
Read full description

Missed a payment again? Not sure where the month is heading? Owe keeps every bill, loan and IOU in one place, reminds you before anything is due, and shows your balance for the whole month at a glance. No bank logins, no sign-up, no spreadsheets. NEVER MISS A PAYMENT • A reminder on the day a payment is due • Overdue, upcoming and paid, clearly split so nothing slips • Mark anything paid with a single tap SEE YOUR MONTH COMING • What you owe and what you're owed, front and centre • Week and month views with a balance graph, so there are no end-of-month surprises • A Home Screen widget with your next payment and your totals ANY KIND OF PAYMENT • One-offs: dinner, tickets, borrowed cash • Recurring: rent, bills and subscriptions, weekly or monthly, even every second Friday • Part payments: record what's been paid back and see what's left OWE PRO — ONE-TIME PURCHASE, NO SUBSCRIPTION • Multiple accounts: keep Personal, Business and Joint separate and switch in a tap • Transfers: move money between your accounts and both sides stay in step • Reminder options: get reminded days before, at a time that suits you • Face ID lock: keep your balances private • Export to CSV: open every payment in Numbers or Excel • No ads Already bought Remove Ads? It includes Owe Pro. Just tap Restore Purchase. PRIVATE BY DESIGN Your payments stay on your device. No account, no bank connection, and Owe never sees your financial information. Choose your currency (£, $, €, ¥, ₹, ₽) and date format. Download Owe and stay on top of what you owe, and what's owed to you.

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

Owe4 screens
Debts Break4 screens

Verdict

The call

The clearest difference is rating: Debts Break at 4.1 against Owe's 1.8. Debts Break also leads on ratings volume (96 vs 4) and review sentiment (61% vs 50%). Owe's advantage is update cadence (every 2 months vs every 7 months). On price, ads, in-app purchases and monetization model 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. Owe sells 2 one-off in-app purchases and Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

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 4, so its average is the more settled of the two. Written reviews point the same way: 50% of Owe's written reviews are positive against 61% of Debts Break's.

UpkeepUpdate frequency

Owe ships an update every 2 months, Debts Break every 7 months. The most recent releases landed on November 1, 2026 and October 21, 2026 respectively.

Scorecard6 real differences · 4 level
Owe versus Debts Break: the parameters behind the verdict, then further details
ParameterOweDebts Break
PriceFreeFree
Rating1.8 (4 ratings)4.1 (96 ratings) — better
Positive reviews50.0% of reviews61.0% of reviews — better
Number of ratings496 — better
Update frequencyEvery 2 months — betterEvery 7 months
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod, Apple Watch — better
Requires iOS17.015.6 — better
Further details — not scored
Size19 MB40 MB
Age rating4+4+
DeveloperAndy DobsonLINKLINKS LTD

Customer experience

Owe

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews40 reviews
Positive50.0%
Neutral15.0%
Negative35.0%

Debts Break

All ratings96 ratings
Positive78.1%
Neutral9.4%
Negative12.5%
Written reviews105 reviews
Positive61.0%
Neutral15.2%
Negative23.8%

Bugs and requests

Owe

Not enough reviews yet to summarise bugs or requests.

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

2 purchases

Owe

One-time2
  • Remove Adverts$3.99
  • Owe Pro$4.99
3 purchases

Debts Break

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

Questions

Is Owe free?
Owe is free to download, with in-app purchases available.
Is Debts Break free?
Debts Break is free to download, with in-app purchases available.
Which has better reviews, Owe or Debts Break?
Debts Break is rated higher. Owe averages 1.8 out of 5 from 4 ratings, while Debts Break averages 4.1 from 96 ratings.
Do Owe or Debts Break have ads?
Both Owe and Debts Break show ads.
Which is updated more often, Owe or Debts Break?
Owe ships an update every 2 months, and Debts Break every 7 months. Most recently, Owe was updated on November 1, 2026 and Debts Break on October 21, 2026.

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