# Debt Payoff Planner - Tracker — Debt Snowball Calculator

> Personalized debt payoff planner with AI coaching and bank syncing. (iPhone/iPad app by Toffee Finance.)

- Source: https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6743946913 (this page in markdown: same URL + `.md`)
- Developer: [Toffee Finance](https://appshunter.io/developer/1805257670)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 4 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 76 MB
- Languages: American English, Brazilian Portuguese, Latin American Spanish
- Released: 2025-05-22
- Data updated: 2026-10-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6743946913/reviews.md

## What is Debt Payoff Planner?

Pay off debt with a plan you can actually follow.

Toffee turns your credit cards, student loans, car loans and buy now, pay later balances into one clear payoff plan, with the exact month you'll be debt free.

YOUR DEBT FREE DATE
• See the month and year your last payment lands
• Watch it move closer every time you log a payment
• Try "what if I paid more?" and see the months you'd save

SNOWBALL OR AVALANCHE
• Debt snowball: smallest balance first, for quick wins
• Debt avalanche: highest interest first, to save the most
• Compare both on your real debts: payoff date and total interest side by side

A PLAN FOR EVERY PAYDAY
• Set your pay schedule and get a payday routine that splits each paycheck across your debts
• Your monthly commitment shows what to pay and where the extra goes
• Your next move on Home is always the next bill due

TRACK EVERY PAYMENT
• Log a payment in seconds from the + button
• Payment reminders before due dates
• Full payment history, searchable by debt, amount or date

SEE YOUR PROGRESS
• Balance over time, from 30 days to all time
• Interest saved: how much your plan saves compared with paying only the minimums
• A payoff roadmap showing when each debt will be gone

STAY MOTIVATED
• Monthly streaks and 24 badges for payments, paid-off debts and milestones
• Home Screen widgets with your next move and debt free countdown, with private mode on by default
• Share your progress without sharing any amounts

YOUR DATA, YOUR WAY
• No bank login required: you enter your own balances
• Import debts from a spreadsheet (Excel, CSV or paste)
• Export everything to Excel any time

TOFFEE PRO
Toffee Pro unlocks the full app. Choose an annual plan (with a 7-day free trial for eligible new subscribers) or a monthly plan. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings.

Privacy Policy: https://toffeefinance.com/privacy-policy
Terms of Use: https://toffeefinance.com/tos

Toffee is a planning and tracking tool for educational purposes. It doesn't move money and doesn't provide licensed financial advice.

## Key features

- Debt Snowball and Avalanche payoff methods
- Automatic bank account syncing via Plaid
- AI-powered debt coaching and scenario planning
- Progress visualization with charts and milestones
- Payment reminders and payday routine setup
- Calculates estimated debt-free date

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Toffee Pro - Monthly | $4.99 | per month |
| Toffee Pro - Annual | $29.99 | per year |
| Toffee Pro Weekly | $1.99 | per 7 days |
| Toffee Pro - Annual Upgrade | $59.99 | per year |
| Toffee Pro - Monthly Upgrade | $7.99 | per month |
| Toffee Pro Weekly - Upgrade | $5.99 | per 7 days |
| Premium - Annual | $69.99 | per year |
| Premium Weekly | $1.99 | per 7 days |
| Weekly | $0.99 | per 7 days |
| Toffee - Premium | $0.99 | per 7 days |
| Toffee - Annual | $49.99 | per year |
| toffee | $49.99 | per year |
| Toffee | $4.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Toffee Pro - Lifetime Access | $29.99 | one-time |


## Is Debt Payoff Planner safe?

Not enough ratings yet to assess Debt Payoff Planner.

## Is Debt Payoff Planner legit?

Debt Payoff Planner - Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Debt Payoff Planner is 65 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6743946913/reviews.md

### 5/5 — Nice app!!

*2026-04-18*

Really enjoy using this app

**Developer response:** Thanks for trying the app and leaving a review

## Frequently asked questions about Debt Payoff Planner

### How does Toffee help me pay off debt?

Toffee offers two primary payoff strategies: Debt Snowball, which focuses on paying off smaller debts first for momentum, and Debt Avalanche, which prioritizes high-interest debts to save money. It also provides an AI debt coach for personalized advice and scenario planning.

### Can I connect my bank accounts to Toffee?

Yes, Toffee securely connects to thousands of banks and credit unions using Plaid. This allows your debt balances to update automatically, eliminating the need for manual entry and ensuring your numbers are always current.

### What are the subscription options for Toffee?

Toffee offers several subscription plans, including Weekly options starting at $0.99 with free trial periods of 3-7 days, and Monthly plans starting at $4.99 with a 7-day free trial. These plans unlock premium features and remove any limitations.

### Is Toffee safe to use with my financial information?

Toffee prioritizes user data security and states that your data is never sold. It uses secure connections via Plaid for bank syncing and is designed with a focus on privacy, offering no ads or clutter.

### Does Toffee have ads?

No, Toffee is ad-free. The app description explicitly states 'No ads. No clutter. Just your plan.' This ensures a focused and uninterrupted user experience.

### What kind of debts can I track with Toffee?

Toffee is designed to help you manage various types of debt, including credit cards, student loans, car payments, and buy now pay later accounts. It aims to provide a clear overview of all your outstanding obligations.

### How often is Toffee updated?

The latest version of Toffee is 4.2.8, and it was last updated on June 4, 2026. This indicates a consistent update schedule, suggesting ongoing development and improvements.

### What is the age rating for Toffee?

Toffee has an age rating of 4+, making it suitable for a wide range of users. The app is available on iPhone, iPad, and iPod, and is free to download.

## Version history (last 5 releases)

### 8.0.2 — 2026-10-21

Minor Bug Fixes

### 8.0.1 — 2026-10-12

Fixed some bugs

### 8.0.0 — 2026-10-11

• Achievements: earn 24 badges for streaks, payments, paid-off debts and milestones, and share your progress to Instagram, X or Messages.
• A new Progress tab with Overview, Debts and Payments, including a Balance Over Time chart and how much interest your plan saves you.
• After each payment or balance update, see how close you are to being debt free.
• A redesigned Plan tab showing your debt free date, a payoff roadmap and what-if scenarios.
• A quick + button to log a payment, add a debt or update balances in one tap.
• A faster setup that builds your payoff plan in under a minute.
• Bug fixes and performance improvements.

### 7.0.0 — 2026-10-03

Toffee has a new look

### 6.0.7 — 2026-09-26

Fixed some bugs

## Apps similar to Debt Payoff Planner

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| --- | --- | --- | --- |
| [DebtWise — Debt Payoff Planner](https://appshunter.io/ios/app/debtwise-debt-payoff-planner/id6759857721) | 5.0 (2) | Free | Finance |
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## More apps by Toffee Finance

- [Electrician Calculator +](https://appshunter.io/ios/app/electrician-calculator-plus/id6794164292)

All apps by Toffee Finance: https://appshunter.io/developer/1805257670

## Related topics

[tufee](https://appshunter.io/ios/topics/tufee)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-24.*