# Debts Break vs Paidback

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.

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.

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.

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

## The numbers

| Metric | Debts Break | Paidback |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews) | **[4.6 (27 ratings)](https://appshunter.io/ios/app/paidback-debt-help/id1519197729/reviews)** |
| Number of ratings | **96** | 27 |
| Positive reviews | 61.0% of reviews | **82.4% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | **Monthly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 40 MB | 75 MB |
| Requires iOS | 15.6 | **10.0** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Deeply In Debt, LLC](https://appshunter.io/developer/1519197731) |

## 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)


### Paidback

[App page](https://appshunter.io/ios/app/paidback-debt-help/id1519197729)

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:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $0.99 | per month |


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