# Debts Break vs IRR Calculator

The clearest difference is price: Debts Break at Free against IRR Calculator's $0.99. Debts Break also leads on device support (4 vs 2) and iOS requirement (15.6 vs 18.0). IRR Calculator's advantage is in-app purchases (none vs 3) and ads (none vs shown).

Debts Break is free to download; IRR Calculator costs $0.99 up front. Debts Break sells 3 in-app purchases, starting at $0.99 per 6 months. IRR Calculator asks for nothing beyond the download.

## The numbers

| Metric | Debts Break | IRR Calculator |
| --- | --- | --- |
| Price | **Free** | $0.99 |
| Rating | **[4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews)** | — |
| Number of ratings | **96** | — |
| Positive reviews | 61.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | — |
| Monetization | Free with in-app purchases | — |
| Size | 40 MB | 1 MB |
| Requires iOS | **15.6** | 18.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [Daniel Steel](https://appshunter.io/developer/1719338589) |

## 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)


### IRR Calculator

[App page](https://appshunter.io/ios/app/irr-calculator/id6740996942)

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

**In-app purchases:** none


## Frequently asked questions

### Is Debts Break free?

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

### Is IRR Calculator free?

IRR Calculator costs $0.99, with no in-app purchases.

### Do Debts Break or IRR Calculator have ads?

Debts Break shows ads; IRR Calculator does not.

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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.*