Comparison

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.

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

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.

Highlights
  • Personalized debt payoff strategies
  • Interest savings insights
  • Budgeting and financial outlook
  • Manual and automatic account addition
  • 24/7 text support
  • Proprietary debt payoff method
Features
Read full description

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

Debts Break4 screens
Savvy Debt Payoff Planner4 screens

Verdict

The call

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

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 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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
Debts Break versus Savvy Debt Payoff Planner: the parameters behind the verdict, then further details
ParameterDebts BreakSavvy Debt Payoff Planner
PriceFreeFree
Rating4.1 (96 ratings) — better3.5 (24 ratings)
Positive reviews61.0% of reviews66.7% of reviews — better
Number of ratings96 — better24
Update frequencyEvery 7 monthsWeekly — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPod
Requires iOS15.610.0 — better
Further details — not scored
Size40 MB23 MB
Age rating4+4+
DeveloperLINKLINKS LTDAscend Finance LLC

Customer experience

Debts Break

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

Savvy Debt Payoff Planner

All ratings23 ratings
Positive60.9%
Neutral8.7%
Negative30.4%
Written reviews18 reviews
Positive66.7%
Neutral5.6%
Negative27.8%

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

Savvy Debt Payoff Planner

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

Savvy Debt Payoff Planner

Subscriptions4
  • 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
Show 1 more
  • 6 Month Pro Subscription1 Month trial$23.996 Months

Questions

Is Debts Break free?
Debts Break is free to download, with in-app purchases available.
Is Savvy Debt Payoff Planner free?
Savvy Debt Payoff Planner is free to download, with in-app purchases available.
Which has better reviews, Debts Break or Savvy Debt Payoff Planner?
Debts Break is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while Savvy Debt Payoff Planner averages 3.5 from 24 ratings.
Do Debts Break or Savvy Debt Payoff Planner have ads?
Debts Break shows ads; Savvy Debt Payoff Planner does not.
Which is updated more often, Debts Break or Savvy Debt Payoff Planner?
Debts Break ships an update every 7 months, and Savvy Debt Payoff Planner weekly. Most recently, Debts Break was updated on November 1, 2026 and Savvy Debt Payoff Planner on November 3, 2026.

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