Crush your debt.
Own your future.
Stop guessing. Start winning. Toffee is the debt payoff app for iPhone and Android that shows your exact debt-free date — using the debt snowball or debt avalanche method, with automated reminders and real-time progress tracking.
Toffee is a debt tracking tool, not financial advice. Debt-free date calculations are estimates based on data you enter — actual outcomes depend on your lenders' terms. Toffee Finance Inc. is not authorised by the Financial Conduct Authority.
$8,400
34% paid off
$22,150
61% paid off
$5,800
82% paid off
Features
Everything you need to
get out of debt
Debt Tracker App
See all your debts in one place. Credit cards, student loans, car loans — organized, clear, and always up to date in the best debt tracker app for iPhone.
Debt Snowball & Avalanche
Pick the debt snowball method (smallest balance first) or debt avalanche method (highest interest first). Toffee builds your personalized payoff plan and does the math.
Payment Reminders
Never miss a due date again. Automated reminders keep you on track and help you avoid costly late fees.
Your Debt-Free Date
See the exact date you'll be debt-free. Watch your loan payoff timeline shrink in real time and celebrate every milestone along the way.
How It Works
Your Debt-Free Date
Starts Here
Add your debts
Enter all your accounts in minutes. Credit cards, student loans, car loans — anything you owe.
Choose your strategy
Pick avalanche (highest interest first) or snowball (smallest balance first). Toffee builds your personalized plan.
Watch it disappear
Follow your plan, get reminded of payments, and track your progress as your debt shrinks month by month.
Testimonials
Real people,
real results
“I had no idea how much interest I was throwing away every month. Toffee showed me exactly what to pay first. I've already knocked out two cards in 4 months.”
Marcus T.
Software Engineer
“The snowball method is keeping me motivated like never before. Seeing that debt bar go down is addicting. This app is the real deal.”
Priya S.
Nurse Practitioner
“Simple, clean, and it actually works. I've tried every budgeting app out there — Toffee is the first one built specifically around getting debt-free.”
Jordan M.
Marketing Manager
FAQ
Got questions?
Yes. Toffee uses bank-level 256-bit encryption to protect your data. We never store your login credentials, and we cannot move money on your behalf.
Toffee provides a personalized payoff plan using the avalanche (highest interest first) or snowball (smallest balance first) method. It helps you prioritize your debts and track your progress so you stay motivated and on course.
Yes. Toffee sends automated payment reminders so you never miss a due date, avoid late fees, and stay consistent with your repayment plan.
Toffee offers a 14-day free trial so you can explore all features. After the trial, plans start at $9/month or $74/year.
Unlike traditional budgeting apps, Toffee is built specifically for debt elimination. We focus on helping you pay off debt strategically — not just tracking spending. Every feature is designed to get you to zero faster.
Free Debt Tips & Tricks
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Start Today
Your debt-free journey
starts with one tap.
Join thousands of people who are actively paying down debt with Toffee. Try it free for 14 days — no credit card required.
Available on iOS & Android · 14-day free trial