Comparison

Debts Break vs Paidback

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

Paidback

This app helps you manage and pay off debt faster with tools and motivation. Connect with others on a similar journey for encouragement and celebrate milestones together. It offers calculators and resources to save money while becoming debt-free.

Highlights
  • Debt payoff calculators
  • Social sharing and encouragement
  • Debt management tools
  • Milestone celebrations
  • Private account option
  • Access to debt payoff content
Features
Read full description

Debt payoff can be confusing, isolating, and overwhelming. What if someone else could tell you exactly what you should do to pay off debt fast? And what if you could connect with other like minded people who are also paying off debt? Paidback is a debt payoff app that helps you manage debt by providing debt payoff motivation, tools, and accountability to save you the most money possible. Paidback is an app designed specifically to help you get out of debt fast. The app includes: 1. DEBT PAYOFF CALCULATORS: Paidback is equipped with several debt payoff calculators. Our debt payoff calculators will help you see what actions you can take to save the most money on your debt. 2. SOCIAL SHARING: Being in debt can make you feel isolated. Connect with friends, family, and other followers on Paidback to help encourage each other out of debt. There’s nothing as motivating as seeing other people on a debt free journey as well. Hitting milestones with debt can also feel anticlimactic. Celebrate debt payoff milestones by commenting and liking your friends’ debt status (they’ll do the same for you!). You’ll also get congratulatory messages from the app when you hit debt payoff milestones. Not into being social? That’s OK. You can also set your account to private. 3. DEBT HELP: Paidback will provide you with the tools you need to manage debt, payoff debt fast, and save the most money on your debt. You will gain access to our partners and debt payoff content to help you on your debt payoff journey. Paidback is completely free to use. Simply manually enter in your debt accounts, and the app will tell you which debt to pay off first and provide you with tools and resources to pay it off fast. Add your friends and family or make new friends within the app to show encouragement (and receive it!) as you all pay off debt together. Paidback's upgraded version, Paidback Premium, is only $1.99 and can be canceled anytime. Paidback Premium has all of the features of Paidback. In addition, it will automatically list and update your debt accounts so that you don't have to manually enter it in each time. You'll also gain access to exclusive content and a better user experience. Let Paidback help you get your debt paid back fast so you can sit back and enjoy the journey. The use of the application is is governed by the Mobile Application End User License Agreement (“Agreement”): https://thepaidbackapp.com/terms-and-conditions.

Screenshots

Debts Break4 screens
Paidback4 screens

Verdict

The call

The clearest difference is ads: Paidback at none against Debts Break's shown. Paidback also leads on rating (4.6 vs 4.1) and update cadence (monthly vs every 7 months). Debts Break's advantage is device support (4 vs 2) and ratings volume (96 vs 27). 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 Paidback sells 1 in-app purchase, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Paidback holds the better App Store score, 4.6 against 4.1. Both are backed by a comparable volume of ratings — 96 and 27 respectively. Written reviews point the same way: 61% of Debts Break's written reviews are positive against 82% of Paidback's.

UpkeepUpdate frequency

Debts Break ships an update every 7 months, Paidback monthly. The most recent releases landed on October 21, 2026 and October 19, 2026 respectively.

Scorecard7 real differences · 3 level
Debts Break versus Paidback: the parameters behind the verdict, then further details
ParameterDebts BreakPaidback
PriceFreeFree
Rating4.1 (96 ratings)4.6 (27 ratings) — better
Positive reviews61.0% of reviews82.4% of reviews — better
Number of ratings96 — better27
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
Requires iOS15.610.0 — better
Further details — not scored
Size40 MB75 MB
Age rating4+4+
DeveloperLINKLINKS LTDDeeply In Debt, LLC

Customer experience

Debts Break

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

Paidback

All ratings27 ratings
Positive88.9%
Neutral3.7%
Negative7.4%
Written reviews17 reviews
Positive82.4%
Neutral5.9%
Negative11.8%

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

Paidback

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
1 purchases

Paidback

Subscriptions1
  • Monthly Subscription$0.991 Month

Questions

Is Debts Break free?
Debts Break is free to download, with in-app purchases available.
Is Paidback free?
Paidback is free to download, with in-app purchases available.
Which has better reviews, Debts Break or Paidback?
Paidback is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while Paidback averages 4.6 from 27 ratings.
Do Debts Break or Paidback have ads?
Debts Break shows ads; Paidback does not.
Which is updated more often, Debts Break or Paidback?
Debts Break ships an update every 7 months, and Paidback monthly. Most recently, Debts Break was updated on October 21, 2026 and Paidback on October 19, 2026.

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