Built for People juggling medical bills alongside other debts
The Best App for Managing Medical Debt
Medical debt is chaotic — multiple providers, billing departments, and payment plans, often at 0% interest. Toffee organizes all of it and slots it correctly into your overall payoff strategy.
7-day free trial · iOS & Android
Everything You Need to Medical Debt in 2026
Track Every Provider
Hospital, imaging, lab, specialist — add each balance and payment plan so nothing slips into collections.
Prioritize Correctly
Most medical debt is 0% interest, so it usually belongs last in an avalanche. Toffee orders it correctly against your cards and loans automatically.
Payment Plan Tracking
Track each provider's payment plan and due dates in one place instead of a drawer of statements.
Never Miss a Medical Bill
Missed medical payments can go to collections and hit your credit. Reminders keep every plan current.
One Total Picture
See medical debt alongside credit cards and loans — one total balance, one strategy, one debt-free date.
Built for Any Balance
Medical bills rarely look like a normal loan. Toffee handles irregular balances and payment plans as first-class citizens.
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 manage medical debt?
Toffee is a strong choice for medical debt because it handles manually-entered balances well and prioritizes them correctly against your other debts. Since most medical debt carries no interest, Toffee's avalanche strategy will typically have you pay it after high-interest cards — which is usually the right call.
Should I pay off medical debt or credit cards first?
Usually credit cards. Most medical debt is interest-free, while credit cards charge 18–30% APR. Pay minimums on the medical payment plans to keep them out of collections, and direct extra money at the cards. Toffee's avalanche method orders this automatically.
Does medical debt affect your credit score?
Paid medical collections no longer appear on credit reports, and unpaid medical collections under $500 aren't reported by the major bureaus. Larger unpaid medical debts can still hurt your score once they hit collections — which is why tracking every provider balance and due date matters.
Can I negotiate medical bills?
Often, yes. Ask the provider for an itemized bill, check it for errors, ask about financial assistance or charity care programs, and request a self-pay discount or interest-free payment plan. Once you've settled on the real number, add it to Toffee and fold it into your payoff plan.
Free Tools & Guides
Debt Snowball Calculator
Run the snowball method on your real debts — smallest balance first — and see your debt-free date.
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.
Best App for Debt Payoff in 2026
Find the best debt payoff app for 2026. Toffee helps you eliminate debt with avalanche & snowball strategies, payoff date projections, and bill reminders.
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