Know what to pay first.
Choose Snowball for quick wins or Avalanche to reduce interest costs. Toffee organizes the plan automatically.
Debt payoff planner for iPhone and Android
See exactly when you'll be debt-free.
Add your credit cards, loans and BNPL. Choose snowball or avalanche. Toffee builds your payoff plan, reminds you when bills are due, and tracks your progress all the way to $0.
See my debt-free dateOr download Toffee for iPhone or Android.
- No bank connection required
- 7-day free trial on iOS & Android
- Simple. Focused. Built for debt payoff.
When could you be debt-free?
Get a quick estimate. No signup required.
Estimate only. Assumes one blended balance, a fixed monthly payment, monthly compounding, and no new charges.
A payoff plan that stays simple.
Toffee turns all your debts into one clear plan: what to pay, when to pay it, and how you're progressing toward $0.
Know when you'll reach $0.
See your projected debt-free date and how extra payments can move it closer.
See yourself making progress.
Every payment moves your balances, milestones, and payoff timeline forward.
Two proven strategies. One goal: $0.
Choose the approach that fits your motivation. Not sure? Compare both using your actual debts.
Snowball
Smallest balance first.
Best for people who want quick wins and visible momentum.
Avalanche
Higher-interest debt first.
Designed to reduce total interest costs over time.
From overwhelmed to $0.
A clearer path. A brighter future.
Today
$31,420
total debt
Build your plan
4 debts
organized into one plan
First win
Visa paid off
+$95/month rolls forward
Halfway
$15,710
remaining
Debt free!
$0
June 2029
Every payment counts.
Paying off debt takes time. Toffee makes sure it never feels like you're standing still.
$5,000 down
You've paid off 16% of your starting debt.
One down
Your first debt is officially gone.
6 months closer
Extra payments just moved your projected debt-free date forward.
Built for the long road to $0.
Apps400 · App review
“Clean visuals, well-thought-out strategies, and a secure, distraction-free experience.”
NotableBIT · Podcast interview
An interview with founder Terry Threatt about building Toffee.
Get your debt payoff plan.
Build a personalized estimate of your debt-free date, payoff order, interest costs, and the impact of paying extra.
- Estimated debt-free date
- Suggested payoff order
- Interest estimate
- Snowball vs Avalanche comparison
- Extra-payment scenarios
Enter your debts, get your plan instantly.
Free, and no signup required.
Build my free plan Prefer email?
Questions, answered.
Does Toffee connect to my bank?
No. You enter and update your debts directly, so Toffee doesn't require your bank login.
What's the difference between Snowball and Avalanche?
Snowball prioritizes smaller balances for quicker individual wins. Avalanche prioritizes higher-interest debt to reduce interest costs. Toffee lets you model both, or you can try them now in the free snowball and avalanche calculators.
Does Toffee make payments for me?
No. Toffee helps you build and track your payoff plan. Payments continue through your lenders, and you log each payment in Toffee so your balances and debt-free date stay up to date.
Does Toffee send bill reminders?
Yes. Set a due date on any debt and Toffee reminds you before it's due with a push notification and an email, so a late fee doesn't set your plan back.
Is Toffee a budgeting app?
No. Toffee is focused specifically on debt payoff rather than managing your entire financial life.
Are payoff dates guaranteed?
No. They're estimates based on the balances, interest rates, payments, and assumptions you enter. Changes to those inputs may change your projection.
Can I try Toffee before paying?
Yes. The annual plan ($29.99/year) starts with a 7-day free trial, so you can build your plan before you pay. You can also subscribe monthly for $4.99/month. Toffee requires a subscription after the trial, and you can cancel anytime in your App Store or Google Play settings.
What types of debt can I track in Toffee?
Credit cards, student loans, auto loans, personal loans, payday loans, buy now pay later (BNPL) plans, medical debt, and more. You add each debt yourself, so you stay in control of exactly what Toffee tracks.
How is Toffee different from YNAB?
YNAB is a zero-based budgeting tool. Toffee is built only for debt payoff, with Snowball and Avalanche plans, debt-free date projections, and progress tracking. It costs $29.99/year instead of YNAB's $99/year. See the full Toffee vs YNAB comparison.
Debt free · June 2029
Your debt-free date is waiting.
Build your plan. Track every win. Watch the number move toward $0.
Calculate my debt-free date