Comparison

Debts Break vs PayAway

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

PayAway

This app helps you pay off debt faster and improve your credit score simultaneously. It offers personalized payoff plans, tracks all your debts, and uses a unique method to boost credit utilization while you eliminate balances.

Highlights
  • All-in-one debt tracker
  • Personalized payoff plans (Snowball, Avalanche, Custom)
  • Smart debt payoff calculator
  • Exclusive credit utilization method
  • Budgeting and extra payment tracking
  • Progress tracking and alerts
  • Secure and private data storage
Read full description

Overwhelmed by debt? Meet PayAway – your all-in-one debt payoff planner and tracker that helps you pay off debt faster and boost your credit score at the same time. Using our proprietary Credit Utilization Method, PayAway optimizes your payoff plan to improve credit health while crushing debt, outperforming traditional Snowball and Avalanche strategies in saving money and time. Key Features: All-in-One Debt Tracker: Organize all your debts (credit cards, student loans, auto loans, etc.) in one place. See balances, interest rates (APR), and due dates at a glance. Personalized Payoff Plans: Choose a strategy that fits you – Debt Snowball (smallest balance first), Debt Avalanche (highest interest first), or let PayAway suggest a custom plan tailored to your goals. Smart Debt Snowball Calculator: Instantly calculate your debt-free date and interest savings under Snowball, Avalanche, or any extra payment scenario. Adjust payments to see “what-if” scenarios and find the fastest payoff path. Exclusive Credit Utilization Method: Boost your credit score as you pay down debt. PayAway prioritizes payments to lower your credit utilization ratio, helping raise your credit score faster than Snowball or Avalanche alone. Budget & Extra Payments: Set a monthly debt-payoff budget so you know exactly how much extra cash can go toward debt each month. PayAway shows you how even small extra payments can save money on interest and shorten your payoff timeline. Progress Tracking & Alerts: Stay motivated with interactive charts and milestones. Watch your debt shrink and get notified when you hit payoff milestones or when a debt is paid off. Easy & Intuitive: Designed for Gen Z & Millennials, PayAway features a clean, uncluttered interface. No confusing finance jargon – just a simple, powerful debt payoff tool that puts you in control. Secure & Private: All data is stored securely. No bank connections required – you’re always in control of your information. Why Choose PayAway? Unlike one-size-fits-all budgeting apps, PayAway is laser-focused on helping you become debt-free and build credit. It’s your companion on the journey to financial freedom. Our app doesn’t overwhelm you with features you don’t need. Instead, PayAway gives you a clear plan, tailored advice, and the motivation to stick with it. Save money, eliminate debt, and watch your credit score rise – all in one app. Whether you’re juggling multiple credit cards or paying off student loans, PayAway has you covered. It’s perfect for: Credit card debt – tackle high-interest balances and break the cycle. Student loans – manage loans and pay them off sooner. Auto or personal loans – keep track of loans and plan early payoffs. Debt snowball fans – if you’re looking for a debt snowball calculator, PayAway provides one with an extra credit-boosting edge. Anyone who needs a debt tracker and payoff planner – and wants to improve their credit score while doing it. Start Your Debt-Free, Credit-Boosted Journey Today Don’t let debt hold you back. Download PayAway now and take control of your finances. See how quickly you can pay off debt and achieve the freedom of a debt-free life with better credit. The sooner you start, the sooner you’ll celebrate being debt-free and building a brighter financial future. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Debts Break4 screens
PayAway4 screens

Verdict

The call

The clearest difference is ads: PayAway at none against Debts Break's shown. PayAway also leads on update cadence (every 4 days vs every 7 months) and review sentiment (82% vs 61%). Debts Break's advantage is ratings volume (96 vs 14). On price, rating, in-app purchases and monetization model 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 PayAway sells 4 in-app purchases, starting at $2.49 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 PayAway. That said, the two scores are not equally well evidenced: Debts Break has 96 ratings behind it against 14, 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 82% of PayAway's.

UpkeepUpdate frequency

Debts Break ships an update every 7 months, PayAway every 4 days. The most recent releases landed on November 1, 2026 and November 4, 2026 respectively.

Scorecard4 real differences · 6 level
Debts Break versus PayAway: the parameters behind the verdict, then further details
ParameterDebts BreakPayAway
PriceFreeFree
Rating4.1 (96 ratings)4.1 (14 ratings) — better
Positive reviews61.0% of reviews81.8% of reviews — better
Number of ratings96 — better14
Update frequencyEvery 7 monthsEvery 4 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size40 MB21 MB
Age rating4+4+
DeveloperLINKLINKS LTDJack Maloney

Customer experience

Debts Break

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

PayAway

All ratings11 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive81.8%
Neutral0.0%
Negative18.2%

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

PayAway

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

PayAway

Subscriptions2
  • PayAway+$2.491 Month
  • PayAway+ - Yearly$24.991 Year
One-time2
  • Remove Ads$1.99
  • PayAway+ Lifetime Subscription$49.99

Questions

Is Debts Break free?
Debts Break is free to download, with in-app purchases available.
Is PayAway free?
PayAway is free to download, with in-app purchases available.
Which has better reviews, Debts Break or PayAway?
PayAway is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while PayAway averages 4.1 from 14 ratings.
Do Debts Break or PayAway have ads?
Debts Break shows ads; PayAway does not.
Which is updated more often, Debts Break or PayAway?
Debts Break ships an update every 7 months, and PayAway every 4 days. Most recently, Debts Break was updated on November 1, 2026 and PayAway on November 4, 2026.

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