# Debts Break vs PaidOff

The clearest difference is rating: PaidOff at 5.0 against Debts Break's 4.1. PaidOff also leads on review sentiment (100% vs 61%) and ads (none vs shown). Debts Break's advantage is ratings volume (96 vs 8) and device support (4 vs 2). On price 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 PaidOff sells 2 in-app purchases, starting at $9.00 per month. Whichever you choose, the download price is not the number that matters.

PaidOff holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: Debts Break has 96 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 61% of Debts Break's written reviews are positive against 100% of PaidOff's.

Debts Break ships an update every 7 months, PaidOff every 5 days. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Debts Break | PaidOff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews) | **[5.0 (8 ratings)](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566/reviews)** |
| Number of ratings | **96** | 8 |
| Positive reviews | 61.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | **Every 5 days** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 40 MB | 38 MB |
| Requires iOS | **15.6** | 26.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Andrew Aquino](https://appshunter.io/developer/1546163712) |

## 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)


### PaidOff

[App page](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566)

Manage all your debts in one place with detailed insights into your payoff journey. Customize amortization schedules and APRs to visualize your progress towards financial freedom and save money.

**Highlights:** Account Management, Complete Debt Profile, Full Customization, Progress Tracking, Visual UI

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PaidOff Plus Monthly | $9.00 | per month |
| PaidOff Plus Yearly | $72.00 | per year |


## Frequently asked questions

### Is Debts Break free?

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

### Is PaidOff free?

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

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

PaidOff is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while PaidOff averages 5.0 from 8 ratings.

### Do Debts Break or PaidOff have ads?

Debts Break shows ads; PaidOff does not.

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

Debts Break ships an update every 7 months, and PaidOff every 5 days. Most recently, Debts Break was updated on October 21, 2026 and PaidOff on October 24, 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.*