Comparison

Debts Break vs Debts

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

Debts

This app helps you track all your loans and debts in one place. It offers a user-friendly interface with flexible settings, allowing you to manage contacts, set payment reminders, and view balances across multiple currencies. Record partial repayments and keep a detailed payment history.

Highlights
  • Manage all loans and debts
  • User-friendly interface
  • Contact management
  • Payment reminders via SMS/Email
  • Multi-currency support
  • Record partial repayments
  • Payment history tracking
Features
Read full description

Debts — all your loans and borrowings in one place A simple and intuitive app to manage your debts and loans. • Friendly and easy-to-use interface • Flexible settings for your needs Contacts • Select people from your contact list or add them manually Reminders • Send payment reminders via SMS or Email directly from the app • Call your debtor with a single tap Balance • View total balance for each currency Notifications • Set up custom reminders for repayment • Choose exact date and time of notification Currencies • Supports multiple currencies • Create, edit, and set a default currency Payments • Record partial repayments • Keep track of all payment history Full version Debts is free for up to 2 debts. The full version unlocks unlimited debts: choose a monthly or yearly subscription, or buy it once and keep it forever. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account. You can manage or cancel your subscription in your App Store account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appbysnap.tilda.ws/privacypolice

Screenshots

Debts Break4 screens
Debts4 screens

Verdict

The call

The clearest difference is rating: Debts at 5.0 against Debts Break's 4.1. Debts also leads on ads (none vs shown) and update cadence (every 2 days vs every 7 months). Debts Break's advantage is ratings volume (96 vs 2) and review sentiment (61% vs 44%). On price, 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. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months and Debts sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debts holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: Debts Break has 96 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 61% of Debts Break's written reviews are positive against 44% of Debts's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Debts Break ships an update every 7 months, Debts every 2 days. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard7 real differences · 3 level
Debts Break versus Debts: the parameters behind the verdict, then further details
ParameterDebts BreakDebts
PriceFreeFree
Rating4.1 (96 ratings)5.0 (2 ratings) — better
Positive reviews61.0% of reviews — better44.4% of reviews
Number of ratings96 — better2
Update frequencyEvery 7 monthsEvery 2 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad
Requires iOS15.6 — better26.0
Further details — not scored
Size40 MB3 MB
Age rating4+4+
DeveloperLINKLINKS LTDAlexander Senin

Customer experience

Debts Break

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

Debts

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews9 reviews
Positive44.4%
Neutral11.1%
Negative44.4%

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

Debts

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
4 purchases

Debts

Subscriptions2
  • Monthly$0.991 Month
  • Yearly$8.991 Year
One-time2
  • Tip the developer$0.99
  • Full version — lifetime2 variants$19.99

Questions

Is Debts Break free?
Debts Break is free to download, with in-app purchases available.
Is Debts free?
Debts is free to download, with in-app purchases available.
Which has better reviews, Debts Break or Debts?
Debts is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while Debts averages 5.0 from 2 ratings.
Do Debts Break or Debts have ads?
Debts Break shows ads; Debts does not.
Which is updated more often, Debts Break or Debts?
Debts Break ships an update every 7 months, and Debts every 2 days. Most recently, Debts Break was updated on November 1, 2026 and Debts on November 3, 2026.

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