No. 12 of 23 ·Debt Management Software

Toffee

Name: Toffee
Price: 4.99 USD

Web · Android · iPhone · paid plans from $2.50/mo

Visit site Alternatives

Freedom report

One barScore 5.3

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely3 of 6 device platforms
DocumentedThinly documented

Toffee is ranked #12 of 23 in debt management software on Freedom251. It runs on Android, iOS, Web. A free trial is offered. Paid plans start at $2.50/mo.

Toffee plans and pricing

All plans

Toffee Pro — Monthly $4.99/mo $4.99 / month; billed monthly, no trial Unlimited debts · Snowball & Avalanche plans · Debt-free date projections · Payment tracking · Reminders · Progress & milestones · What-if payoff scenarios toffeefinance.com · 8 Oct 2026

Toffee Pro — Annual $29.99/yr $29.99 / year; about $2.50 a month; annual plan starts with a 7-day free trial Unlimited debts · Snowball & Avalanche plans · Debt-free date projections · Payment tracking · Reminders · Progress & milestones · What-if payoff scenarios toffeefinance.com · 8 Oct 2026

Compared on debt management software

Free plan: Yes
Payoff strategies: both
Balance tracking: Yes
Mobile apps: Yes

Best Toffee alternatives

See all 20

Two bars Debt Payoff Planner Free tier No. 1$2/mo6.6 Two bars Monnelia Free tier No. 2$0.17/mo6.6 Two bars Undebt.it Free tier No. 3$0.83/mo6.6 One bar Debt Ladder Free tier No. 4Free6.5 One bar Debt Payoff Planner: Tracker Free tier No. 5$2.50/mo6.5 One bar Payoff Free tier No. 6£4.17/mo6.5

The record

Purpose: Toffee builds a debt payoff plan and tracks progress toward becoming debt-free.
Planning features: The app includes debt-free date projections, payoff order, interest estimates, extra-payment scenarios, payment tracking, reminders, progress, and milestones.
Supported debts: Users can enter credit cards, student loans, auto loans, personal loans, medical debt, and other debts themselves.
Bank connections: Toffee says it does not connect to banks; users enter and update debts directly, and no bank login is required.
Payments: Toffee helps users plan and track payoff, while payments are made through their lenders.
Free calculator: The site offers a free payoff plan calculator with no signup required.
Privacy and processors: The privacy policy says Stripe handles payment data and lists Google, PostHog, Meta, Resend, Apple, and Vercel among service providers.
Data retention: The privacy policy says account data is deleted within 30 days of a verified deletion request; payment records are retained for seven years by Stripe.
Security and compliance: The privacy policy says UK data transfers use Standard Contractual Clauses or the UK International Data Transfer Agreement where required, and says the company is in the process of registering with the ICO.
Support: Toffee says its support team responds by email within 1–2 business days.
Limitations: Toffee says payoff dates and interest calculations are estimates, not financial advice, and it is not FCA-authorised or regulated.
Pricing terms discrepancy: The homepage lists annual and monthly subscriptions, while the July 2026 Terms of Service describe core tracking features at no cost and a $29.99 USD one-time premium payment with no subscription.
Age: The privacy policy says Toffee is intended for users aged 13 and over; users aged 13–15 in the UK require verifiable parental or guardian consent.
Headquarters: Plano, Texas, USA
Price from: $2.50/mo

Where it ranks on Freedom251

Best Debt Management Software in 2026#12 of 23

Is Toffee yours?

Claim it for free: prove the domain, then correct facts, plans and screenshots. An editor reviews every change.

Claim it free Promote Toffee

Sources

toffeefinance.com· checked 8 Oct 2026
toffeefinance.com/privacy-policy· checked 8 Oct 2026
toffeefinance.com/support· checked 8 Oct 2026
toffeefinance.com/tos· checked 8 Oct 2026