# Debts Break vs AlmostZero

The clearest difference is rating: AlmostZero at 4.8 against Debts Break's 4.1. AlmostZero also leads on ads (none vs shown) and update cadence (every 2 weeks vs every 7 months). Debts Break's advantage is device support (4 vs 2) and iOS requirement (15.6 vs 26.2). On price, ratings volume, 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 AlmostZero sells 13 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

AlmostZero holds the better App Store score, 4.8 against 4.1. Both are backed by a comparable volume of ratings — 96 and 75 respectively. Written reviews point the same way: 59% of Debts Break's written reviews are positive against 86% of AlmostZero's.

Debts Break ships an update every 7 months, AlmostZero every 2 weeks. The most recent releases landed on September 17, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | Debts Break | AlmostZero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews) | **[4.8 (75 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews)** |
| Number of ratings | **96** | 75 |
| Positive reviews | 58.6% of reviews | **85.7% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | **Every 2 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 40 MB | 224 MB |
| Requires iOS | **15.6** | 26.2 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) |

## 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)


### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (13)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $0.99 | one-time |
| Tip | $2.99 | one-time |
| Tip | $3.99 | one-time |
| Tip | $5.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


## Frequently asked questions

### Is Debts Break free?

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

### Is AlmostZero free?

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

### Which has better reviews, Debts Break or AlmostZero?

AlmostZero is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while AlmostZero averages 4.8 from 75 ratings.

### Do Debts Break or AlmostZero have ads?

Debts Break shows ads; AlmostZero does not.

### Which is updated more often, Debts Break or AlmostZero?

Debts Break ships an update every 7 months, and AlmostZero every 2 weeks. Most recently, Debts Break was updated on September 17, 2026 and AlmostZero on September 21, 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.*