Debt Payoff Plan & 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
• Share your progress without sharing any amounts

ON YOUR WRIST AND HOME SCREEN
• Apple Watch app: your debt free date and next bill at a glance, and log a payment right from your wrist
• Home Screen and Lock Screen widgets with your debt free countdown and next bill, private by default
• Made for iPhone Duo: Toffee fills the big screen when you unfold it

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 Apple Account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings.

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.