Debts Break vs Savvy Debt Payoff Planner
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Savvy Debt Payoff Planner
This app helps you pay off debt faster and cheaper by providing personalized payoff strategies and insights into your spending. It offers encouragement and a clear financial outlook to guide you towards debt freedom.
- Personalized debt payoff strategies
- Interest savings insights
- Budgeting and financial outlook
- Manual and automatic account addition
- 24/7 text support
- Proprietary debt payoff method
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Savvy Debt Payoff Planner is ad-free with a 100% free and paid version that puts money back in your pocket each month by sharing interest savings insights. Savvy encourages you by sharing often how much you put back in your pocket. Savvy’s budget helps compliment your debt payoff plan to understand your entire financial outlook each month. Savvy hates debt, so its goal is to get you out of debt easier, cheaper, and faster. ------------------------------------------------- HOW WE MAKE DEBT FREEDOM EASIER: 1) Debt can be stressful. Savvy debt payoff assistant is first an encouragement focused app that shares how much you are actually putting back in your pocket each month 2) Savvy tells you what you pay and how much to pay towards each of your debts each month. Once your minimums are paid, Savvy will tell you where to put the extra money. 3) Have questions? Text us 24/7. We are ready to serve you. ------------------------------------------------- HOW WE MAKE DEBT FREEDOM CHEAPER: 1) The average user may save over $2,000 by using Savvy even after the monthly fee compared to using a debt payoff planner using the Snowball method based on our recent study. How? Savvy was built using our proprietary Savvy debt payoff method. It’s not the snowball method or the avalanche method. Instead, the Savvy debt payoff method provides the psychological benefit from the Snowball method and the interest savings of Avalanche. 2) How much does Savvy cost? Savvy’s goal is to get you out of debt. We do not want to push ads or try to provide financial products you don’t need Savvy provides a free version that is ad-free as we want everyone to get out of debt. Savvy also offers a free 30-day trial followed by a subscription fee of $5.99 a month. We have to prove to you that we provide enough value before you provide a dime. ------------------------------------------------- HOW WE MAKE DEBT FREEDOM FASTER: Because we save the average user over $2,000, you get out of debt faster. Let’s shave a couple of months off of your debt freedom date together. ------------------------------------------------- COMMON QUESTIONS 1) Do you allow me to add my accounts manually or automatically? Both. Savvy is designed to serve the very busy population by allowing you to add your accounts automatically by giving read-only access to view transactions via your bank account (see security question below). If you are wary about security and/or you’d like to control the process, you can also add your accounts and your transactions manually. You are in control. You decide. 2) Let’s talk about security. How do you keep me secure with automatic account integration? Savvy protects your transaction information with read-only access and bank-level security via your financial institutions. Your data is your data, which means we never would share with third parties. ------------------------------------------------- When you download and use Savvy, you agree to Ascend's Terms of Use: https://tryascend.com/legal/terms-of-use Message and data rates apply. Mobile data is required for your financial information to refresh. Your account balances may not reflect recent transactions immediately. Ascend connects to US financial institutions only.
Screenshots
Verdict
The clearest difference is rating: Debts Break at 4.1 against Savvy Debt Payoff Planner's 3.5. Debts Break also leads on ratings volume (96 vs 24) and device support (4 vs 2). Savvy Debt Payoff Planner's advantage is ads (none vs shown) and update cadence (weekly vs every 7 months). On price, review sentiment, 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
Both are free to download. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months and Savvy Debt Payoff Planner sells 4 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.
Debts Break holds the better App Store score, 4.1 against 3.5. Both are backed by a comparable volume of ratings — 96 and 24 respectively. Written reviews complicate that: 61% of Debts Break's written reviews are positive against 67% of Savvy Debt Payoff Planner'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, Savvy Debt Payoff Planner weekly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | Debts Break | Savvy Debt Payoff Planner |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (96 ratings) — better | 3.5 (24 ratings) |
| Positive reviews | 61.0% of reviews | 66.7% of reviews — better |
| Number of ratings | 96 — better | 24 |
| Update frequency | Every 7 months | Weekly — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 15.6 | 10.0 — better |
| Further details — not scored | ||
| Size | 40 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | LINKLINKS LTD | Ascend Finance LLC |
Customer experience
Debts Break
Savvy Debt Payoff Planner
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
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- 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)
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- 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
Savvy Debt Payoff Planner
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Debts Break
- Premium - 6 months$0.996 Months
- Remove ads$9.99
- Snowball method$9.99
Savvy Debt Payoff Planner
- Basic Monthly Subscription1 Month trial$5.991 Month
- 1 Month Pro Subscription1 Month trial$5.991 Month
- 6 Month Basic Subscription1 Month trial$9.996 Months
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- 6 Month Pro Subscription1 Month trial$23.996 Months
Questions
Is Debts Break free?
Is Savvy Debt Payoff Planner free?
Which has better reviews, Debts Break or Savvy Debt Payoff Planner?
Do Debts Break or Savvy Debt Payoff Planner have ads?
Which is updated more often, Debts Break or Savvy Debt Payoff Planner?
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