Debts Break vs Debt Fix
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Debt Fix
Easily track your debts and create a personalized payoff plan. Get a clear financial breakdown, analyze your progress with a report page, and utilize an amortized schedule to see all your payments. Start your journey to financial freedom.
- Debt tracking
- Financial breakdown
- Payoff plan development
- Amortized payment schedule
- Progress analysis report
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Debt Fix is the debt payoff planner that shows you exactly when you'll be debt-free. Pay off credit cards, student loans, auto loans, medical bills, and personal loans faster with the snowball method, the avalanche method, or either one tuned with your own extra payments. No account. No bank connection. Start in seconds. CHOOSE YOUR STRATEGY • Avalanche: pay the least interest by attacking your highest rates first • Snowball: build momentum by knocking out your smallest balances first • Side-by-side comparison shows the interest saved and the time difference at a glance STAY ON TRACK EVERY MONTH • A monthly checklist tells you exactly what to pay and where • Total balance, payoff date, and progress on one dashboard • Categories for credit card, student loan, auto, medical, personal, and mortgage debt • 0% APR promotional periods, so interest-free balances calculate correctly • Add a lump sum any month, or a recurring extra payment every month SEE YOUR PROGRESS • Charts that update the moment you log a payment • A full amortization schedule for every debt • Savings report shows interest saved and months cut from your payoff date • Export your payoff schedule to PDF or CSV ON YOUR HOME SCREEN • Home Screen and Lock Screen widgets keep your payoff date one glance away • Reminders so you never miss a due date • Built for iPhone and iPad, with full Dark Mode support YOUR DEBT DATA STAYS YOURS • Works fully offline. Your debt details live on your device. • iCloud sync keeps your iPhone and iPad in step through your own private iCloud account • No account or signup required to use the app • Your debts and balances are never sold or shared DEBT FIX PREMIUM Supported by ads. Premium unlocks unlimited debts, full PDF and CSV exports, every theme color, and an ad-free experience. One purchase, lifetime access. No subscriptions. Not ready to buy? You can still unlock a single export by watching a short video. Your money should work for you, not your lenders. Download Debt Fix and start your payoff plan today.
Screenshots
Verdict
The clearest difference is update cadence: Debt Fix at weekly against Debts Break's every 7 months. Debt Fix also leads on review sentiment (75% vs 59%). Debts Break's advantage is ratings volume (96 vs 11) 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
Both are free to download. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months and Debt Fix sells 1 one-off in-app purchase. 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 4.0 for Debt Fix. That said, the two scores are not equally well evidenced: Debts Break has 96 ratings behind it against 11, so its average is the more settled of the two. Written reviews are what separate them: 59% of Debts Break's written reviews are positive against 75% of Debt Fix's.
Debts Break ships an update every 7 months, Debt Fix weekly. The most recent releases landed on September 17, 2026 and September 10, 2026 respectively.
| Parameter | Debts Break | Debt Fix |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (96 ratings) — better | 4.0 (11 ratings) |
| Positive reviews | 58.6% of reviews | 75.0% of reviews — better |
| Number of ratings | 96 — better | 11 |
| Update frequency | Every 7 months | Weekly — better |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 15.6 — better | 17.0 |
| Further details — not scored | ||
| Size | 40 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | LINKLINKS LTD | Christopher Donoso |
Customer experience
Debts Break
Debt Fix
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
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- 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)
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- 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 Fix
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Debts Break
- Premium - 6 months$0.996 Months
- Remove ads$9.99
- Snowball method$9.99
Debt Fix
- Debt Fix Premium$4.99






