Toffee

What Toffee is

Toffee is a debt payoff planning and progress tracking app for Android, iOS, and the web. You can enter credit cards, student loans, auto loans, personal loans, medical debt, and other debts yourself, then choose a Snowball plan that prioritizes smaller balances or an Avalanche plan that prioritizes higher-interest debt. Toffee lays out a payoff order and projects a debt-free date and interest costs. It also lets you explore extra-payment scenarios, track payments and progress, receive reminders, and record milestones. The projections and interest figures are estimates, and Toffee says it is not financial advice. Toffee does not connect to banks or require a bank login; users enter and update debt details directly. It helps with planning and tracking, while payments are made through lenders. A free payoff calculator is available without signup. Toffee lists a free plan and Toffee Pro subscriptions: Monthly is $4.99 a month, with no trial, and Annual is $29.99 a year, 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 with no subscription.

Who it suits

Toffee suits people who want to organize several debts, compare Snowball and Avalanche payoff approaches, and track progress toward a debt-free date. It is also an option for people who prefer to enter debt details themselves instead of connecting a bank account.

Limits

The free calculator is a payoff plan calculator. Toffee lists unlimited debts and its planning, tracking, reminder, and scenario features under Toffee Pro. The Annual plan has a 7-day free trial; the Monthly plan has no trial. Payoff dates and interest calculations are estimates.

Getting started

1. Use the free payoff plan calculator on the Toffee website without signing up, or choose an app or web platform.
2. Enter your debts, such as credit cards, student loans, auto loans, personal loans, or medical debt.
3. Choose Snowball or Avalanche as your payoff approach.
4. Review the projected payoff order, debt-free date, and interest estimate.
5. Explore extra-payment scenarios and use payment tracking, reminders, progress, and milestones.
6. For Toffee Pro, choose Monthly at $4.99 a month or Annual at $29.99 a year; the annual plan starts with a 7-day free trial.

Verdict

Choose Toffee if you want to compare payoff strategies and track debts, payments, and progress in one app without connecting a bank account. Look elsewhere if you need it to make payments or want payoff projections treated as exact figures or financial advice.