Built for People who want to actively eliminate debt
The Best App for Paying Off Debt in 2026
Toffee gives you a clear plan to become debt-free — with built-in avalanche and snowball strategies, exact payoff dates, and bill reminders.
7-day free trial · iOS & Android
Everything You Need to Debt Payoff in 2026
Debt Avalanche Strategy
Pay off highest-interest debt first. Mathematically optimal — saves you the most money in interest over time.
Debt Snowball Strategy
Pay off smallest balances first. Builds momentum with quick wins — the most popular strategy for staying motivated.
Payoff Date Projections
See the exact month and year you'll be debt-free. Watch that date move earlier as you make extra payments.
Interest Savings Calculator
See exactly how much interest you'll pay over the life of your debt — and how much you save by paying extra.
All Your Debts Together
Cards, loans, and medical debt in one plan so you always see your real progress.
Bill Reminders
Never miss a payment and avoid late fees that undo your progress.
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 on iOS or Android and start a 7-day free trial on the annual plan.
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 debt?
Toffee is the best dedicated debt payoff app in 2026. It includes both avalanche and snowball strategies, shows exact payoff dates, calculates interest savings, and reminds you before every bill is due. Unlike YNAB or Monarch Money, which are general budgeting apps, Toffee is purpose-built for debt elimination.
What is the debt avalanche method?
The debt avalanche method means paying minimum payments on all debts and putting extra money toward the debt with the highest interest rate first. Once that's paid off, you roll those payments to the next highest-interest debt. It's the mathematically optimal approach — you pay the least total interest over time.
What is the debt snowball method?
The debt snowball method means paying minimum payments on all debts and putting extra money toward the smallest balance first. Once that's paid off, you roll those payments to the next smallest balance. It's psychologically motivating because you get early wins, even if it costs slightly more in interest than the avalanche method.
How much does Toffee cost?
Toffee Pro is $29.99/year with a 7-day free trial on the annual plan, or $4.99/month. Cancel anytime in your App Store or Google Play settings.
What types of debt can I track in Toffee?
Toffee lets you track any type of debt: credit cards, student loans, auto loans, personal loans, medical debt, and more. You add each account yourself, so you decide exactly what Toffee tracks.
Is Toffee better than a debt payoff spreadsheet?
Toffee offers several advantages over a spreadsheet: built-in strategy calculators (no formulas to build), payoff dates that recalculate the moment you log a payment, a mobile interface (always with you), and bill reminders. A spreadsheet works, but you have to build and maintain all of that yourself.
Free Tools & Guides
Free Debt Payoff Calculator
Enter your debts and compare avalanche vs snowball to see your exact debt-free date and interest savings.
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 Debt Snowball App in 2026
The best debt snowball app for 2026. Toffee automates the snowball method — smallest balance first — with payoff dates, bill reminders, and progress tracking.
Start Your Debt Payoff Journey Today
Start your 7-day free trial on iOS or Android.
iOS & Android · $29.99/year or $4.99/month