Debts Break vs PayAway
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.
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.
- 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
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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
Verdict
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
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.
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.
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.
| Parameter | Debts Break | PayAway |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (96 ratings) | 4.1 (14 ratings) — better |
| Positive reviews | 61.0% of reviews | 81.8% of reviews — better |
| Number of ratings | 96 — better | 14 |
| Update frequency | Every 7 months | Every 4 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 40 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | LINKLINKS LTD | Jack Maloney |
Customer experience
Debts Break
PayAway
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
PayAway
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
PayAway
- PayAway+$2.491 Month
- PayAway+ - Yearly$24.991 Year
- Remove Ads$1.99
- PayAway+ Lifetime Subscription$49.99









