# Debt Tracker: Payoff Planner — Loan Tracker & Debt Free Plan

> Debt payoff planner with visualization, strategy comparison, and progress tracking. (iPhone/iPad app by Toffee Finance.)

- Source: https://appshunter.io/ios/app/debt-tracker-payoff-planner/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 16.4 · 105 MB
- Languages: American English, Danish, Dutch, French (France), German (Germany), Italian, Japanese, Korean, Norwegian Bokmål, Brazilian Portuguese and 4 more
- Released: 2025-05-22
- Data updated: 2026-11-05
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/debt-tracker-payoff-planner/id6743946913/reviews.md

## What is Debt Tracker?

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
• Share your progress without sharing any amounts

ON YOUR WRIST AND HOME SCREEN
• Apple Watch app: your debt free date and next bill at a glance, and log a payment right from your wrist
• Home Screen and Lock Screen widgets with your debt free countdown and next bill, private by default
• Made for iPhone Duo: Toffee fills the big screen when you unfold it

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 payoff plan visualization
- Debt snowball and avalanche comparison
- Paycheck splitting for debt payments
- Payment tracking and reminders
- Progress and interest saved tracking
- Motivation badges and streaks
- Apple Watch and widget support

## 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 |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Toffee Pro - Lifetime Access | $59.99 | one-time |


## Is Debt Tracker safe?

Not enough ratings yet to assess Debt Tracker.

## Is Debt Tracker legit?

Debt Tracker: Payoff Planner appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Debt Tracker 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-tracker-payoff-planner/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 Tracker

### How does Debt Tracker help me become debt-free?

Debt Tracker creates a personalized payoff plan by consolidating your loans, credit cards, and buy now, pay later balances. It shows your exact debt-free date and allows you to compare strategies like snowball and avalanche to find the most effective path for you.

### What debt payoff strategies does Debt Tracker support?

Debt Tracker supports both the debt snowball method, which focuses on paying off the smallest balances first for quick wins, and the debt avalanche method, which prioritizes debts with the highest interest rates to save money over time. You can compare both side-by-side with your real debts.

### Can I track payments and get reminders with Debt Tracker?

Yes, you can easily log payments within seconds and receive payment reminders before due dates. The app also provides a full payment history that is searchable by debt, amount, or date, helping you stay on top of your financial commitments.

### Does Debt Tracker require linking bank accounts?

No, Debt Tracker does not require bank logins. You manually enter your debt balances, providing greater control over your financial data. You can also import debts from spreadsheets like Excel or CSV.

### What are the benefits of Toffee Pro?

Toffee Pro unlocks the full app experience, offering advanced features and customization. It is available through weekly or monthly subscription plans, with an annual plan that includes a 7-day free trial for eligible new subscribers.

### How often is Debt Tracker updated?

The latest version of Debt Tracker is 8.0.8, and it was last updated on November 3, 2026. This indicates a commitment to regular updates and improvements for the application.

### What devices is Debt Tracker available on?

Debt Tracker is designed for Apple devices, including the Apple Watch, iPhone, and iPad. It also features Home Screen and Lock Screen widgets for quick access to your debt-free countdown and next bill.

### Is Debt Tracker suitable for all ages?

Debt Tracker has an age rating of 4+, making it accessible for a wide range of users. Its focus on financial planning and tracking is beneficial for individuals looking to manage their finances effectively.

## Version history (last 5 releases)

### 8.0.8 — 2026-11-03

Thanks for trying Toffee: 

Here's some Bug Fixes to make it run smoother

### 8.0.7 — 2026-11-01

New in this version:
• Apple Watch: see your debt free date and next bill, and log a payment right from your wrist
• Lock Screen widgets: your debt free countdown at a glance, private by default
• Siri & Shortcuts: ask Siri when you'll be debt free or what's due next
• Live Activities: payday and bills due today on your Lock Screen and Dynamic Island
• Made for iPhone Duo and iPad: Toffee fills the bigger screen
• Fixes and improvements

### 8.0.6 — 2026-10-31

Support for more languages so more people can get debt free

### 8.0.5 — 2026-10-28

Minor bug fixes

### 8.0.4 — 2026-10-26

Minor bug fix

## Apps similar to Debt Tracker

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [DebtWise — Debt Payoff Planner](https://appshunter.io/ios/app/debtwise-debt-payoff-planner/id6759857721) | 5.0 (2) | Free | Finance |
| [Payoff — Debt Tracker](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093) | — | Free | Finance |
| [PaidOff: Debt Tracker](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566) | 5.0 (8) | Free | Finance |
| [Debt Payoff Planner: Tracker](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524) | 5.0 (1) | Free | Finance |
| [Debt Free –Pay Off Debt Faster](https://appshunter.io/ios/app/debt-free-pay-off-debt-faster/id407366192) | 4.2 (1,025) | Free | Finance |
| [Debt Magic: Payoff Planner](https://appshunter.io/ios/app/debt-magic-payoff-planner/id6747996437) | 4.8 (19) | Free | Finance |

## 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

[credit card payoff planner](https://appshunter.io/ios/topics/credit-card-payoff-planner) · [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 2026-11-05.*