Debt Payoff Planner (OxbowSoft) Alternative
Best Alternatives to OxbowSoft's Debt Payoff Planner in 2026
Debt Payoff Planner & Tracker by OxbowSoft is a simple app for tracking your debts, but it lacks bill reminders and a smooth modern interface, and the free tier is full of ads. Here are the best alternatives with more complete features.
7-day free trial
Why People Leave Debt Payoff Planner (OxbowSoft)
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Ad-supported free version is disruptive
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Limited features compared to full-featured alternatives
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No bill reminders
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Interface feels dated
#1 Alternative: Toffee — Built for Debt Payoff
Toffee is an iOS app purpose-built for people who want to eliminate debt. Where Debt Payoff Planner (OxbowSoft) focuses on basic tracking, Toffee is laser-focused on helping you become debt-free as fast as possible.
Debt Avalanche & Snowball
Built-in strategies that mathematically optimize your payoff order to save the most interest or stay motivated.
Exact Payoff Dates
See precisely when each debt will be paid off — and how paying extra each month changes that date.
Every Debt in One Place
Credit cards, student loans, auto loans, payday loans, BNPL and medical debt tracked together in a single payoff plan.
Interest Calculator
See exactly how much interest you'll pay over the life of each debt, and how extra payments reduce that.
Bill Reminders
Set a due date on any debt and get push and email reminders before it's due, so you avoid late fees and penalty rates.
Payment Logging
Log every payment, including BNPL installments and extra payments, and watch your balances and payoff date update.
Toffee vs Debt Payoff Planner (OxbowSoft): Feature Comparison
| Feature | Debt Payoff Planner (OxbowSoft) | Toffee ✓ |
|---|---|---|
| Price | Free (ads) or $9.99/yr | $29.99/yr or $4.99/mo |
| Ad-free | Premium only | Yes |
| Debt payoff strategies | Avalanche & Snowball | Avalanche & Snowball |
| Payoff date projections | Yes | Yes |
| Bill reminders | No | Yes |
| Interest calculator | Basic | Yes |
| Interface | Dated | Modern iOS-native |
Frequently Asked Questions
Is Debt Payoff Planner free?
Debt Payoff Planner has a free tier with ads and basic features. A premium version is available for $9.99/year that removes ads and adds some extra features. Neither tier includes bill reminders.
What is the best alternative to OxbowSoft's Debt Payoff Planner?
Toffee is the best Debt Payoff Planner alternative for most people. Like Debt Payoff Planner, Toffee includes avalanche and snowball strategies and payoff date projections, but it also sends bill reminders by push and email and is ad-free on every tier.
Does Debt Payoff Planner send bill reminders?
No — Debt Payoff Planner has no bill reminders and only limited notifications. If you want an app that nudges you before every due date so a late fee never undoes your progress, Toffee is a strong alternative.
Compare & Calculate
Toffee vs Debt Payoff Planner (OxbowSoft): Full Comparison
A feature-by-feature breakdown of Toffee and Debt Payoff Planner (OxbowSoft) — pricing, debt tools, and who each app is right for.
Free Debt Payoff Calculator
Enter your debts and compare avalanche vs snowball to see your exact debt-free date and interest savings.
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Ready to Pay Off Your Debt Faster?
Join thousands of people using Toffee to track their debt and build a plan to become debt-free.
iOS & Android · 7-day free trial