# Debts Break vs Debt Zero

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.

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.

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.

Debts Break ships an update every 7 months, Debt Zero every 3 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Debts Break | Debt Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews) | **[4.1 (15 ratings)](https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557/reviews)** |
| Number of ratings | **96** | 15 |
| Positive reviews | 61.0% of reviews | **77.8% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 7 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 40 MB | 260 MB |
| Requires iOS | **15.6** | 26.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Casi Knibbs](https://appshunter.io/developer/1521549479) |

## 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)


### Debt Zero

[App page](https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Enable All Features | $2.99 | per month |
| Enable All Features | $9.99 | per year |
| Enable All Features | $14.99 | per year |
| Enable All Features | $34.99 | one-time |


## Frequently asked 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 November 1, 2026 and Debt Zero on November 3, 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.*