Comparison

Debts Break vs MoneyBe

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

Head to head
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.

About

MoneyBe

Securely manage personal finances, business, and projects without registration or ads. Track expenses, income, and budgets with multi-currency support and detailed reports. Offers fast search and automatic backups for peace of mind.

Highlights
  • User privacy first, no registration or tracking
  • Unlimited expense and income categories
  • Multi-currency accounts with automatic rate updates
  • Detailed reports, budgeting, and project management
  • Fast transaction search
  • Automatic and manual backups
  • Apple Watch and 3D Touch integration
Features
Read full description

Own your financial data, track your money privately, even when offline. PRIVACY & SECURITY Your financial data is yours. • Data stays in an encrypted container on your device. • No third-party SDKs or data sharing. • Lock access with Face ID and blur the screen when switching apps. • No sign-up, no email required. EVERYDAY TRACKING All you need, right on the main screen. • See total income, expenses, and balances across all accounts at a glance. • Add transactions fast with templates and long press actions from the Home Screen. • Unlimited categories, sortable by usage or color. • Find any transaction instantly by name, amount, or comment. • Multi-currency support with automatic total conversion and rates updated twice a day. REPORTS & BUDGETS Track and analyze your spending. • Set budgets for specific categories and track progress with a quick widget check. • View clear reports on income, expenses, and net balance over any date range. • Filter by account, category, or project for detailed breakdowns. • Use Projects to monitor cash flow for a business, event, or debt. DATA CONTROL & BACKUP Maintain full control over your financial records. • Automatic backups for up to 10 days plus manual save options. • Store backups on device or iCloud Drive. Import and share them. • Export to CSV for external analysis. SUPPORT Need help? We are here. • Write to us directly from the app. • We always read and respond to all your messages. Terms of use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Debts Break4 screens
MoneyBe4 screens

Verdict

The call

The clearest difference is rating: MoneyBe at 4.8 against Debts Break's 4.1. MoneyBe also leads on ads (none vs shown) and update cadence (monthly vs every 7 months). Debts Break's advantage is ratings volume (96 vs 13). On price, in-app purchases, monetization model 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 and MoneyBe sells 6 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

MoneyBe holds the better App Store score, 4.8 against 4.1. That said, the two scores are not equally well evidenced: Debts Break has 96 ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 61% of Debts Break's written reviews are positive against 73% of MoneyBe's.

UpkeepUpdate frequency

Debts Break ships an update every 7 months, MoneyBe monthly. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
Debts Break versus MoneyBe: the parameters behind the verdict, then further details
ParameterDebts BreakMoneyBe
PriceFreeFree
Rating4.1 (96 ratings)4.8 (13 ratings) — better
Positive reviews61.0% of reviews72.8% of reviews — better
Number of ratings96 — better13
Update frequencyEvery 7 monthsMonthly — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPod, Apple Watch
Requires iOS15.615.0 — better
Further details — not scored
Size40 MB45 MB
Age rating4+4+
DeveloperLINKLINKS LTDDmytro Obertynskyi

Customer experience

Debts Break

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

MoneyBe

All ratings13 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews103 reviews
Positive72.8%
Neutral7.8%
Negative19.4%

Bugs and 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

MoneyBe

Not enough reviews yet to summarise bugs or requests.

In-app purchases

3 purchases

Debts Break

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

MoneyBe

Subscriptions2
  • Monthly Unlimited14 Days trial$2.991 Month
  • Annual Unlimited1 Month trial$19.991 Year
One-time4
  • Bronze badge$0.99
  • Silver badge$1.99
  • Gold badge$2.99
Show 1 more
  • MoneyBe, Lifetime Premium$34.99

Questions

Is Debts Break free?
Debts Break is free to download, with in-app purchases available.
Is MoneyBe free?
MoneyBe is free to download, with in-app purchases available.
Which has better reviews, Debts Break or MoneyBe?
MoneyBe is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while MoneyBe averages 4.8 from 13 ratings.
Do Debts Break or MoneyBe have ads?
Debts Break shows ads; MoneyBe does not.
Which is updated more often, Debts Break or MoneyBe?
Debts Break ships an update every 7 months, and MoneyBe monthly. Most recently, Debts Break was updated on October 21, 2026 and MoneyBe on October 24, 2026.

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