# Debts Break vs Debt Payoff Plan Calculator

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.

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.

## The numbers

| Metric | Debts Break | Debt Payoff Plan Calculator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.1 (96 ratings)](https://appshunter.io/ios/app/debts-break/id849585927/reviews)** | [3.4 (137 ratings)](https://appshunter.io/ios/app/debt-payoff-plan-calculator/id900287289/reviews) |
| Number of ratings | 96 | **137** |
| Positive reviews | **61.0% of reviews** | 41.7% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 7 months | **Every 2 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 40 MB | 5 MB |
| Requires iOS | 15.6 | **13.2** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [LINKLINKS LTD](https://appshunter.io/developer/600375781) | [AppRebel, Inc.](https://appshunter.io/developer/1227876283) |

## 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)


### Debt Payoff Plan Calculator

[App page](https://appshunter.io/ios/app/debt-payoff-plan-calculator/id900287289)

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.

**Highlights:** Debt repayment strategy calculator, Snowball method options, Highest balance first strategy, Detailed payment schedules, Debt payoff graphs, Strategy comparison

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

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful for debt management
- 💡 Motivates debt payoff
- 📈 Provides clear payoff projections
- ✅ Simple and easy to use
- 📊 Good for visualizing debt

**What reviewers complain about**

- 😵 Hard to read text/colors
- 🐛 Snowball method not working correctly
- 🚫 No dark mode support
- 🔢 Inaccurate calculations
- 🔄 Requires monthly updates

**Reported bugs**

- 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')

**Requested features**

- 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


## Frequently asked questions

### Is Debts Break free?

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

### Is Debt Payoff Plan Calculator free?

Debt Payoff Plan Calculator is free to download, with no in-app purchases.

### Which has better reviews, Debts Break or Debt Payoff Plan Calculator?

Debts Break is rated higher. Debts Break averages 4.1 out of 5 from 96 ratings, while Debt Payoff Plan Calculator averages 3.4 from 137 ratings.

### Do Debts Break or Debt Payoff Plan Calculator have ads?

Debts Break shows ads; Debt Payoff Plan Calculator does not.

### Which is updated more often, Debts Break or Debt Payoff Plan Calculator?

Debts Break ships an update every 7 months, and Debt Payoff Plan Calculator every 2 months. Most recently, Debts Break was updated on October 21, 2026 and Debt Payoff Plan Calculator on October 21, 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.*