Debt Payoff Planner - Tracker

Pay off debt with a plan you can actually follow.

Toffee turns your credit cards, student loans, car loans and buy now, pay later balances into one clear payoff plan, with the exact month you'll be debt free.

YOUR DEBT FREE DATE
• See the month and year your last payment lands
• Watch it move closer every time you log a payment
• Try "what if I paid more?" and see the months you'd save

SNOWBALL OR AVALANCHE
• Debt snowball: smallest balance first, for quick wins
• Debt avalanche: highest interest first, to save the most
• Compare both on your real debts: payoff date and total interest side by side

A PLAN FOR EVERY PAYDAY
• Set your pay schedule and get a payday routine that splits each paycheck across your debts
• Your monthly commitment shows what to pay and where the extra goes
• Your next move on Home is always the next bill due

TRACK EVERY PAYMENT
• Log a payment in seconds from the + button
• Payment reminders before due dates
• Full payment history, searchable by debt, amount or date

SEE YOUR PROGRESS
• Balance over time, from 30 days to all time
• Interest saved: how much your plan saves compared with paying only the minimums
• A payoff roadmap showing when each debt will be gone

STAY MOTIVATED
• Monthly streaks and 24 badges for payments, paid-off debts and milestones
• Home Screen widgets with your next move and debt free countdown, with private mode on by default
• Share your progress without sharing any amounts

YOUR DATA, YOUR WAY
• No bank login required: you enter your own balances
• Import debts from a spreadsheet (Excel, CSV or paste)
• Export everything to Excel any time

TOFFEE PRO
Toffee Pro unlocks the full app. Choose an annual plan (with a 7-day free trial for eligible new subscribers) or a monthly plan. Payment is charged to your Google Play account at confirmation of purchase. Subscriptions renew automatically unless cancelled before the end of the current period. Manage or cancel any time in Google Play under Payments & subscriptions.

Privacy Policy: https://toffeefinance.com/privacy-policy
Terms of Use: https://toffeefinance.com/tos

Toffee is a planning and tracking tool for educational purposes. It doesn't move money and doesn't provide licensed financial advice.

Recent changes:
Added new languages so more people can get debt free.