Debts Break vs Debt Payoff Plan Calculator
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.
Debt Payoff Plan Calculator
This app helps you pay off your debts faster by calculating optimal payment strategies. Choose from various methods like snowball or highest balance first, and visualize your progress with detailed schedules and graphs.
- Debt repayment strategy calculator
- Snowball method options
- Highest balance first strategy
- Detailed payment schedules
- Debt payoff graphs
- Strategy comparison
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Debt Free Calculator will help you payoff your debts faster. Debt Free Calculator is an easy to use debt & loan calculator. The app lets you enter in various debts that you have and calculates the optimal payment strategy to get you out of debt as soon as possible. You can choose from a number of different debt repayment strategies, including: • Highest Balance First, Snowball method • Lowest Balance First, Snowball method • Highest Interest First, Snowball method • Lowest Interest First, Snowball method • Or no repayment strategy at all Features of Debt Free Calculator include: • Detailed debt payment schedules • Graphs • Statistics on your debts • Compare different payment strategies • And much more… Give yourself the best tool to get out of debt as soon as possible. Give Debt Free Calculator a try today.
Screenshots
Verdict
The clearest difference is rating: Debts Break at 4.1 against Debt Payoff Plan Calculator's 3.4. Debts Break also leads on review sentiment (61% vs 42%). Debt Payoff Plan Calculator's advantage is in-app purchases (none vs 3) and ads (none vs shown). On price, ratings volume and device support 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. Debt Payoff Plan Calculator asks for nothing beyond the download.
Debts Break holds the better App Store score, 4.1 against 3.4. Both are backed by a comparable volume of ratings — 96 and 137 respectively. Written reviews point the same way: 61% of Debts Break's written reviews are positive against 42% of Debt Payoff Plan Calculator's.
Debts Break ships an update every 7 months, Debt Payoff Plan Calculator every 2 months. Both last shipped on October 21, 2026.
| Parameter | Debts Break | Debt Payoff Plan Calculator |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (96 ratings) — better | 3.4 (137 ratings) |
| Positive reviews | 61.0% of reviews — better | 41.7% of reviews |
| Number of ratings | 96 | 137 — better |
| Update frequency | Every 7 months | Every 2 months — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 13.2 — better |
| Further details — not scored | ||
| Size | 40 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | LINKLINKS LTD | AppRebel, Inc. |
Customer experience
Debts Break
Debt Payoff Plan Calculator
User reviews
Debts Break
From 96 App Store ratingsWhat we love
- 👍 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
Room to improve
- 🐛 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
Debt Payoff Plan Calculator
From 137 App Store ratingsWhat we love
- 👍 Helpful for debt management
- 💡 Motivates debt payoff
- 📈 Provides clear payoff projections
- ✅ Simple and easy to use
- 📊 Good for visualizing debt
Room to improve
- 😵 Hard to read text/colors
- 🐛 Snowball method not working correctly
- 🚫 No dark mode support
- 🔢 Inaccurate calculations
- 🔄 Requires monthly updates
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
Debt Payoff Plan Calculator
Reported bugs
11 issues- App crashes frequently
- App is slow/laggy
- Amount box accepts only single digits
- Currency symbol changes unexpectedly
- Data entry issues (e.g., cannot enter '9')
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- Calculations are incorrect
- Snowball/avalanche method doesn't apply correctly
- Text blends with background, unreadable
- App doesn't re-order debts based on chosen method
- Mortgage analysis shows incorrect payment changes
- App kicks out when entering data
Requested features
16 requests- Option to adjust app colors/theme
- Native dark mode support
- Fix snowball/avalanche calculation logic
- Allow fractional cents for payments/balances
- Add option for extra principal payments
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- Ability to sort debts by balance/payoff order
- Display payoff date for individual debts
- Calculator consistency with spreadsheet software
- Option to pay to remove ads
- Add original balance field
- Add loan start date field
- Improve calculator for APRs above 99.99%
- Add 'what if?' calculator for bigger payments
- Secure app info for shared devices
- Fix mortgage analysis accuracy
- Allow editing payments from the middle
In-app purchases
Debts Break
- Premium - 6 months$0.996 Months
- Remove ads$9.99
- Snowball method$9.99
Debt Payoff Plan Calculator
No in-app purchases
Questions
Is Debts Break free?
Is Debt Payoff Plan Calculator free?
Which has better reviews, Debts Break or Debt Payoff Plan Calculator?
Do Debts Break or Debt Payoff Plan Calculator have ads?
Which is updated more often, Debts Break or Debt Payoff Plan Calculator?
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