# Debts Break vs Debts

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.

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.

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.

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.

## The numbers

| Metric | Debts Break | Debts |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/debts-debt-and-loan-tracker/id1290166627/reviews)** |
| Number of ratings | **96** | 2 |
| Positive reviews | **61.0% of reviews** | 44.4% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | **Every 2 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 40 MB | 3 MB |
| Requires iOS | **15.6** | 26.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Alexander Senin](https://appshunter.io/developer/697788524) |

## What reviewers say

### 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)


### Debts

[App page](https://appshunter.io/ios/app/debts-debt-and-loan-tracker/id1290166627)

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:** macOS Compatibility, Vision Pro support, iPhone Duo support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $0.99 | per month |
| Yearly | $8.99 | per year |
| Tip the developer | $0.99 | one-time |
| Full version — lifetime | $19.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*