# Debts Break vs PayAway

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.

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.

## The numbers

| Metric | Debts Break | PayAway |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews) | **[4.1 (14 ratings)](https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874/reviews)** |
| Number of ratings | **96** | 14 |
| Positive reviews | 61.0% of reviews | **81.8% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | **Every 4 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 40 MB | 21 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Jack Maloney](https://appshunter.io/developer/1791666910) |

## 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)


### PayAway

[App page](https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayAway+ | $2.49 | per month |
| PayAway+ - Yearly | $24.99 | per year |
| Remove Ads | $1.99 | one-time |
| PayAway+ Lifetime Subscription | $49.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*