# Debts Break vs 房贷计算器

The clearest difference is in-app purchases: 房贷计算器 at none against Debts Break's 3. Debts Break's advantage is update cadence (every 7 months vs every 53 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months. 房贷计算器 asks for nothing beyond the download.

Debts Break ships an update every 7 months, 房贷计算器 every 53 months. The most recent releases landed on October 12, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Debts Break | 房贷计算器 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews)** | — |
| Number of ratings | **96** | — |
| Positive reviews | 61.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | Yes |
| Update frequency | **Every 7 months** | Every 53 months |
| Monetization | Free with in-app purchases | — |
| Size | 40 MB | 6 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [吉慧 姜](https://appshunter.io/developer/1422170637) |

## 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)


### 房贷计算器

[App page](https://appshunter.io/ios/app/lpl/id1527847186)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Debts Break free?

Debts Break is free to download, with in-app purchases available.

### Is 房贷计算器 free?

房贷计算器 is free to download, with no in-app purchases.

### Do Debts Break or 房贷计算器 have ads?

Both Debts Break and 房贷计算器 show ads.

### Which is updated more often, Debts Break or 房贷计算器?

Debts Break ships an update every 7 months, and 房贷计算器 every 53 months. Most recently, Debts Break was updated on October 12, 2026 and 房贷计算器 on October 11, 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.*