Built for People carrying balances on one or more credit cards
The Best App for Paying Off Credit Card Debt
Credit card debt costs more in interest than almost any other loan. Toffee helps you see exactly what it's costing you and build the fastest path to paying it off.
No credit card required · iOS & Android
Everything You Need to Credit Card Debt in 2026
Track Every Card
Connect all your credit cards and see total balances, individual card rates, and minimum payments in one place.
True Interest Cost
See what making minimum payments actually costs you — most people are shocked by the total interest on credit card debt.
Avalanche for Credit Cards
The avalanche method is especially powerful for credit cards, which often have 20-30% APR. Pay highest-rate cards first to save thousands.
Payoff Date by Card
See when each card will be paid off based on your current payments — and how extra payments change that timeline.
Payment Reminders
Never miss a credit card payment. Late fees and penalty APRs can destroy your progress.
Fast Balance Updates
Log a payment in seconds and every projection recalculates from current numbers.
4.8 out of 5 on the App Store
Rated by people using Toffee to track and pay off their debt
How to Get Started with Toffee
Download Toffee
Get the app free from the App Store — no credit card needed to get started.
Add Your Debts
Enter your credit cards, loans, and balances. It takes a few minutes and you only do it once.
Pick Your Strategy
Choose the debt avalanche (save the most money) or snowball (pay smallest debts first). Toffee shows you the difference.
See Your Debt-Free Date
Toffee shows you exactly when each debt will be paid off and what your debt-free date is.
Frequently Asked Questions
What is the best app to pay off credit card debt?
Toffee is the best app for paying off credit card debt. It connects all your cards, calculates the total interest you'll pay, and builds an avalanche or snowball payoff strategy. Unlike YNAB or Mint alternatives, Toffee is focused specifically on debt elimination rather than general budgeting.
Should I use the avalanche or snowball method for credit cards?
The avalanche method is mathematically optimal for credit card debt — credit cards typically have 18-30% APR, so paying the highest-rate card first saves the most money. However, if you have many cards and need psychological motivation, the snowball (smallest balance first) helps you feel progress sooner. Toffee lets you try both and see the difference.
How long does it take to pay off credit card debt?
It depends on your balance, interest rates, and how much you pay each month. Making only minimum payments on a $10,000 credit card balance at 22% APR could take over 25 years and cost $16,000+ in interest. With a structured payoff plan in Toffee, most people can significantly cut that timeline.
Is it better to pay off credit cards or invest?
If your credit card interest rate is higher than your expected investment returns (typically 7-10% for index funds), paying off credit cards first is mathematically better. With credit card rates at 20-30% APR, paying them off is almost always the right move before investing beyond any employer match.
Free Tools & Guides
Debt Avalanche Calculator
Run the avalanche method on your real debts — highest interest first — and see exactly how much you save.
Best Debt Avalanche App in 2026
The best debt avalanche app for 2026. Toffee automates the avalanche method — highest interest first — with interest savings math, payoff dates, and bill reminders.
Best App for Tracking Debt Consolidation in 2026
Consolidated your debt? Toffee tracks your consolidation loan payoff, prevents balance creep on cleared cards, and shows your true debt-free date.
Start Your Debt Payoff Journey Today
Download Toffee free — no credit card required.
iOS & Android · $39.99 one-time for premium