# Toffee: Debt Payoff Tracker — Private Snowball & Avalanche

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

- Source: https://appshunter.io/ios/app/toffee-debt-payoff-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 3 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 63 MB
- Languages: American English
- Released: 2025-05-22
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/toffee-debt-payoff-tracker/id6743946913/reviews.md

## What is Toffee?

Debt is stressful. Toffee makes getting out of it actually feel doable.

***** "Really enjoy using this app" - App Store Review

Whether you've got credit cards, student loans, a car payment, or that buy now pay later tab you're pretending isn't there, Toffee helps you see exactly when you'll be debt-free and how to get there faster.
No finance degree required. Just your debts and a plan.

YOUR PAYOFF PLAN, YOUR WAY

Debt Snowball: pay off the small stuff first and build serious momentum
Debt Avalanche: attack high-interest debt and save more money over time
See your actual debt-free date and watch it move closer every time you pay

SEE YOUR PROGRESS

Charts and milestones that show how far you've come
Full payment history so nothing falls through the cracks
Every payment is a win and Toffee makes sure you feel it

STAY ON TOP OF PAYMENTS

Reminders so you never miss a due date
Payday Routine to line up payments with when you actually get paid
Play around with extra payments and see how fast your debt-free date moves up
Most people don't have a debt problem. They have a clarity problem. Once you can see the finish line, everything changes.
Download Toffee and find out when you'll be debt-free. It might be sooner than you think.

Questions? hello@toffeefinance.com
Terms: toffeefinance.com/tos

Note: Toffee is for educational purposes and does not 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 | $9.99 | per month |
| Toffee Pro - Annual | $74.99 | per year |
| Toffee Pro - Annual Upgrade | $59.99 | per year |
| Toffee Pro - Monthly Upgrade | $7.99 | per month |
| Toffee Pro Weekly | $6.99 | per 7 days |
| 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 | $39.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/toffee-debt-payoff-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 Toffee

### 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)

### 5.0.2 — 2026-08-18

Added a debt education learning plan

### 5.0.1 — 2026-08-03

Minor Bug fixes

### 5.0.0 — 2026-07-24

Fixed some minor bugs

### 4.4.9 — 2026-07-17

Fixed minor bugs

### 4.4.8 — 2026-07-15

Updated Onboarding Experience

## Apps similar to Toffee

| App | Rating | Price | Category |
| --- | --- | --- | --- |
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| [The Idabel National Bank](https://appshunter.io/ios/app/the-idabel-national-bank/id6476322075) | 4.8 (124) | Free | Finance |
| [Cash Count - Your Cash App](https://appshunter.io/ios/app/cash-count-your-cash-app/id6746767781) | — | 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

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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 2026-08-26.*