# AlmostZero vs Toffee

The clearest difference is update cadence: Toffee at every 5 days against AlmostZero's every 2 weeks. Toffee also leads on review sentiment (100% vs 86%) and rating (5.0 vs 4.8). AlmostZero's advantage is ratings volume (75 vs 4). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. AlmostZero sells 13 in-app purchases, starting at $0.99 per month and Toffee sells 14 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Toffee holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: AlmostZero has 75 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 86% of AlmostZero's written reviews are positive against 100% of Toffee's.

AlmostZero ships an update every 2 weeks, Toffee every 5 days. The most recent releases landed on October 13, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | AlmostZero | Toffee |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (75 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/toffee-debt-payoff-tracker/id6743946913/reviews)** |
| Number of ratings | **75** | 4 |
| Positive reviews | 85.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 5 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 224 MB | 65 MB |
| Requires iOS | 26.2 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) | [Toffee Finance](https://appshunter.io/developer/1805257670) |

## What reviewers say

### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (13)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $0.99 | one-time |
| Tip | $2.99 | one-time |
| Tip | $3.99 | one-time |
| Tip | $5.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


### Toffee

[App page](https://appshunter.io/ios/app/toffee-debt-payoff-tracker/id6743946913)

This app helps you visualize and accelerate your debt payoff journey. It offers personalized strategies like debt snowball or avalanche, connects to your bank accounts for automatic updates, and provides motivation through progress tracking and AI coaching. Get a clear view of your debt-free date and stay on track with payment reminders.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (14)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly | $0.99 | per 7 days |
| Toffee - Premium | $0.99 | per 7 days |
| Premium Weekly | $1.99 | per 7 days |
| Toffee | $4.99 | per month |
| Toffee Pro Weekly - Upgrade | $5.99 | per 7 days |
| Toffee Pro Weekly | $6.99 | per 7 days |
| Toffee Pro - Monthly Upgrade | $7.99 | per month |
| Toffee Pro - Monthly | $9.99 | per month |
| Toffee - Annual | $49.99 | per year |
| toffee | $49.99 | per year |
| Toffee Pro - Annual Upgrade | $59.99 | per year |
| Premium - Annual | $69.99 | per year |
| Toffee Pro - Annual | $74.99 | per year |
| Toffee Pro - Lifetime Access | $39.99 | one-time |


## Frequently asked questions

### Is AlmostZero free?

AlmostZero is free to download, with in-app purchases available.

### Is Toffee free?

Toffee is free to download, with in-app purchases available.

### Which has better reviews, AlmostZero or Toffee?

Toffee is rated higher. AlmostZero averages 4.8 out of 5 from 75 ratings, while Toffee averages 5.0 from 4 ratings.

### Do AlmostZero or Toffee have ads?

Neither AlmostZero nor Toffee shows ads.

### Which is updated more often, AlmostZero or Toffee?

AlmostZero ships an update every 2 weeks, and Toffee every 5 days. Most recently, AlmostZero was updated on October 13, 2026 and Toffee on October 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*