Polybit Studio Pty Ltd
4.71star1,333 ratings
Counted from real App Store reviews · 2026-08-24 · nothing estimated or modelled
Read those two together. Ratings are cumulative, reviews are recent — a 4.71star average beside 61% negative is the finding, not an error.
4.5out of 5
1,333 ratings · Apple’s own count, fetched daily
elevated · 47.8% of this app’s 23 negative reviews, against 32.1% typical store-wide.
elevated · 17.4% of this app’s 23 negative reviews, against 11.5% typical store-wide.
n = 4. Too thin to act on — we recount weekly.
elevated · 4.3% of this app’s 23 negative reviews, against 2.9% typical store-wide.
n = 1. Too thin to act on — we recount weekly.
elevated · 21.7% of this app’s 23 negative reviews, against 16.9% typical store-wide.
8.7% of this app’s 23 negative reviews, against 9.2% typical store-wide, which is normal for the store.
n = 2. Too thin to act on — we recount weekly.
All 10 panel members · 2026-08-24 snapshot.
| App | Ratings | Billing |
|---|---|---|
 Changed: Automate Debt Payoff | 5,478 | 71.2% |
 Ditch: Pay Off Debt Faster | 2,120 | 66.7% |
 Debt Snowball - Payoff Planner | 1,333 | 47.8% |
 EveryDollar: Budget Management | 84,025 | 44.2% |
 Gauss: Payoff Credit Card Debt | 3,713 | 42.9% |
 Debt Payoff Box: Snowball Plan | 2,428 | 39.7% |
 YNAB | 61,292 | 36.1% |
 Debt Payoff Planner & Tracker | 7,275 | 26.2% |
 Debbie - Payoff, Save, Earn | 15,451 | 25% |
 Debt Payoff Assistant | 136 | 25% |
Every complaint across debt payoff app, frequency-ranked from real App Store reviews — the gaps nobody on this shelf has fixed.
Read the debt payoff app reportEvery number is arithmetic over the reviews we hold, re-counted weekly — nothing modelled, nothing scored. Themes come from a frozen pattern classifier rather than a model reading reviews, so the same review always lands in the same bucket. Shares are of this app’s own recent negative reviews; the shelf figure is its rivals with this app excluded. The graded words have fixed cutoffs against the store’s typical rate: elevated from 1.15, high from 2, extreme from 3.5 times it. The page says what is broken and how it compares — never how to fix it, and never whether this app can win.