Press
Toffee press kit
Everything you need to write about Toffee, the debt payoff planner for iPhone and Android: facts, boilerplate, images you can publish, and a real person to talk to.
Try the app
Free to download. Reviewers who need Toffee Pro unlocked for testing can email us for a promo code.
Fast facts
As of November 2026.
- What it is
- A debt payoff planner. Add your debts, pick Snowball or Avalanche, and Toffee projects the month you will be debt free.
- Platforms
- iPhone, iPad and iPhone Duo, Apple Watch, widgets, Siri and Shortcuts, and Android.
- Bank linking
- None. Balances are entered by the user, so no bank login is ever required.
- Languages
- 15 languages across 22 countries, including the app, emails, push notifications, widgets and Siri.
- App Store rating
- 5.0 out of 5 (United States App Store).
- Pricing
- Toffee is free to download. The full planner is unlocked with Toffee Pro; the current plans and prices are shown in the app and can vary by country.
- Company
- Toffee Finance Inc., founded by Terry Threatt, who designs and builds the app.
- Latest release
- Toffee 8.0.7 for iOS, November 2026: iPhone Duo support, Apple Watch app, Siri and Shortcuts, Live Activities and redesigned widgets.
About Toffee
Short version
Toffee is a debt payoff planner for iPhone and Android. Add your credit cards, loans and buy now pay later plans, choose the Snowball or Avalanche method, and Toffee shows the month you will be debt free, reminds you when bills are due, and tracks every payment toward $0. No bank login required.
Long version
Toffee turns a pile of debt into one date: the month you will be debt free. Users enter their balances, interest rates and minimum payments themselves, pick Snowball (smallest balance first) or Avalanche (highest interest first), and Toffee simulates the plan month by month, including the way each freed-up payment rolls into the next debt.
From there Toffee is a companion for the long road: bill reminders before due dates, a payday routine, payment logging, milestones, and a progress view that shows how far the balance has moved. Version 8.0.7 brings the debt-free date to Apple Watch, Siri and Shortcuts, Lock Screen widgets and the Dynamic Island, and is built for iPhone Duo.
Toffee never connects to a bank and never moves money. It is available in 15 languages across 22 countries, made by Toffee Finance Inc.
Terry Threatt, founder
Terry Threatt founded Toffee Finance Inc. and designs and builds Toffee, from the payoff engine to the Apple Watch app. Terry is available for interviews, podcasts and written Q&As about debt payoff, building a focused personal finance app without bank linking, and shipping one app in 15 languages. A headshot is available on request.
Watch the NotableBIT interviewStory ideas
A debt app that never asks for your bank login
Most money apps start by linking accounts. Toffee asks you to type in your balances instead, and the glanceable surfaces hide amounts by default. A privacy angle for personal finance coverage.
Your debt-free date on your wrist, your Lock Screen and in Siri
Version 8.0.7 moves the single most motivating number in debt payoff, the finish-line month, onto Apple Watch complications, Lock Screen widgets, the Dynamic Island and Siri answers.
Debt payoff, unfolded: an app built for iPhone Duo
Toffee resizes live between the Duo's closed and open displays, in any orientation, with nothing to restart. The plan, roadmap and charts finally get room.
January is debt month
Holiday spending lands on credit cards in December and resolutions follow in January. Snowball versus Avalanche, how minimum payments really work, and what a payoff date does for motivation.
Logos, key art and screenshots
Free to use in coverage of Toffee. Please do not alter the logo. The screens show example data, not a real person's finances.
Logos and icon
Free to use in coverage of Toffee. Please do not alter the colours or add effects.
Key art and feature images, 4K
The full 8.0.7 release kit (.zip, 6 MB) includes every file above.
Coverage
Apps400 · App review
Clean visuals, well-thought-out strategies, and a secure, distraction-free experience.
Open Apps400NotableBIT · Podcast interview
An interview with founder Terry Threatt about building Toffee.
Open NotableBIT
Press contact
Email hello@toffeefinance.com for interviews, review access, a headshot, or anything that is not in this kit. We reply within one to two business days. If you are reviewing Toffee, please say so in your request so we can get you set up quickly.
Toffee is a planning tool, not financial advice. Please do not describe it as a lender, a bank app, or a credit repair service. Looking for the latest release notes? See the Toffee blog.