Comparison

Debts Break vs Debt Zero

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

Debt Zero

This app helps you create a personalized plan to become debt-free faster. It visualizes your progress, offers motivational tools, and supports both Snowball and Avalanche payoff methods. Your financial data remains private on your device.

Highlights
  • Debt payoff planning
  • Snowball and Avalanche methods
  • Real-time progress tracking
  • Privacy-focused (on-device data)
  • Calendar visualization
  • Home screen widgets
  • Milestone celebrations
Read full description

Getting out of debt is a journey, and having a clear plan makes all the difference. Debt Zero is designed to give you the clarity and confidence you need to reach financial peace faster. Most finance apps look backward at what you’ve already spent. Debt Zero looks forward, showing you exactly when you will be out of debt. Whether you prefer the early wins of the Snowball method or the interest savings of the Avalanche method, we help you build a plan to move you towards being debt free. • COMPLETE PRIVACY: Your financial data stays on your device, exactly where it belongs. No bank connections, no data sharing, and no broken syncs—just a secure place for your plan. • SEE YOUR PROGRESS: Watch your "Freedom Date" get closer in real-time. Discover how a plan for extra payments today can shave months off your timeline and save you money in the long run. • STAY ORGANIZED: Use the built-in calendar to visualize your regular payments and plan your strategy with a clear, calm roadmap. • DAILY MOTIVATION: Keep your goals front and center with elegant home screen widgets that celebrate every step of your journey. • JOURNEY MILESTONES: Celebrate small wins along the way, earn milestone stickers, and share your progress to encourage others. • A PERSONAL EXPERIENCE: Customize the app to match your style with premium themes and icons designed for a beautiful, native iOS experience. • ESTABLISHED TRUST: Built and launched in 2020, Debt Zero has been a reliable companion for users on their path to financial freedom for over half a decade. Debt Zero does not sync with financial institutions. We understand that entering data can feel like a big step, but taking that moment to organize your numbers is the first step toward taking control of your future. While automated tracking can feel convenient, active engagement with your plan helps you stay focused on reaching your goals. You aren’t just downloading a tracker; you’re choosing a clearer, calmer path to $0.00. You’ve got this! Privacy Policy: https://debtzero.couleemoon.com/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Debts Break4 screens
Debt Zero4 screens

Verdict

The call

The clearest difference is update cadence: Debt Zero at every 3 weeks against Debts Break's every 7 months. Debt Zero also leads on review sentiment (78% vs 61%). Debts Break's advantage is ratings volume (96 vs 15) and device support (4 vs 2). On price, rating, ads and in-app purchases 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 Debt Zero sells 4 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.1 for Debts Break against 4.1 for Debt Zero. That said, the two scores are not equally well evidenced: Debts Break has 96 ratings behind it against 15, so its average is the more settled of the two. Written reviews are what separate them: 61% of Debts Break's written reviews are positive against 78% of Debt Zero's.

UpkeepUpdate frequency

Debts Break ships an update every 7 months, Debt Zero every 3 weeks. The most recent releases landed on October 21, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
Debts Break versus Debt Zero: the parameters behind the verdict, then further details
ParameterDebts BreakDebt Zero
PriceFreeFree
Rating4.1 (96 ratings)4.1 (15 ratings) — better
Positive reviews61.0% of reviews77.8% of reviews — better
Number of ratings96 — better15
Update frequencyEvery 7 monthsEvery 3 weeks — better
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad
Requires iOS15.6 — better26.0
Further details — not scored
Size40 MB260 MB
Age rating4+4+
DeveloperLINKLINKS LTDCasi Knibbs

Customer experience

Debts Break

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

Debt Zero

All ratings15 ratings
Positive80.0%
Neutral6.7%
Negative13.3%
Written reviews9 reviews
Positive77.8%
Neutral11.1%
Negative11.1%

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

Debt Zero

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

Debt Zero

Subscriptions3
  • Enable All Features$2.991 Month
  • Enable All Features14 Days trial$9.991 Year
  • Enable All Features7 Days trial$14.991 Year
One-time1
  • Enable All Features$34.99

Questions

Is Debts Break free?
Debts Break is free to download, with in-app purchases available.
Is Debt Zero free?
Debt Zero is free to download, with in-app purchases available.
Which has better reviews, Debts Break or Debt Zero?
Debt Zero is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while Debt Zero averages 4.1 from 15 ratings.
Do Debts Break or Debt Zero have ads?
Both Debts Break and Debt Zero show ads.
Which is updated more often, Debts Break or Debt Zero?
Debts Break ships an update every 7 months, and Debt Zero every 3 weeks. Most recently, Debts Break was updated on October 21, 2026 and Debt Zero on November 3, 2026.

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