Toffee

What Toffee is

Toffee is a debt payoff planner and tracker for people working toward becoming debt-free. Users can add credit cards, student loans, auto loans, personal loans, medical debt and other debts, then compare Snowball, which targets smaller balances first, with Avalanche, which prioritizes higher-interest debt. The app estimates interest and a debt-free date, suggests a payoff order, and supports extra-payment scenarios, payment tracking, reminders, progress and milestones. Users enter and update debts themselves; Toffee does not connect to banks or require a bank login. It helps plan and track repayment, while payments are made through lenders. A free payoff calculator is available without signup. Toffee lists a free plan and two Pro options: Monthly costs $4.99 a month with no trial, while Annual costs $29.99 a year and begins with a 7-day free trial. The pricing descriptions differ: the homepage lists monthly and annual subscriptions, while the July 2026 Terms of Service describe core tracking at no cost and a 29.99 USD one-time premium payment. Toffee says payoff dates and interest calculations are estimates, not financial advice, and that it is not FCA-authorised or regulated. It is available on Android, iOS and the web.