Comparison

Debt Payoff Planner vs Proxy

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Debt Payoff Planner

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
Read full description

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.

About

Proxy

Instantly understand stock charts by taking a photo. This AI-powered tool analyzes trends, signals, and risks, providing clear, easy-to-understand explanations for any chart. Speed up your research and make more informed trading decisions.

Highlights
  • Photo-based chart analysis
  • AI-driven insights
  • Trend direction identification
  • Key zone highlighting
  • Risk assessment
  • Plain-English explanations
Features
Read full description

Using Proxy is simple: 1) Tap the camera button on the home screen. 2) Take a photo or upload a chart 3) Let Proxy analyze 4) Read your insights See trend direction, key zones, signals, risks, and easy explanations. Proxy is the fastest way to understand any stock chart—just take a photo. Whether you’re a beginner or an experienced trader, Proxy helps you break down chart movements instantly. Upload or snap a picture of any stock, crypto, forex, or commodities chart, and Proxy’s advanced AI will analyze it in seconds. Why Traders Use Proxy - Instead of spending 10–20 minutes dissecting a chart, Proxy gives a breakdown in seconds. Traders use it to speed up their research and quickly understand what’s happening on a chart. - Technical analysis can be overwhelming. Proxy turns complex patterns, trends, and signals into simple, plain-English explanations anyone can understand. - Take a photo of your laptop screen, a screenshot from your trading app, or even a chart printed on paper—Proxy analyzes them all. - Proxy highlights support and resistance, detects trends, and points out potential areas of interest. Traders get clearer direction and avoid emotional or impulsive decisions. App requires subscription to access any features in the app. Unlock Pro features like unlimited Chart AI analysis, Trade AI signals, and AI Trading Assistant. Subscription renews automatically unless cancelled at least 24 hours before renewal. Disclaimer: Proxy is an educational Trade AI and Chart AI analysis tool - not financial advice. Trading stocks always involves risk. Always trade responsibly. Privacy Policy: https://www.notion.so/Privacy-Policy-2c4cbb8bf168801e93cdedd8fa838e22?source=copy_link Terms of service: https://www.notion.so/Terms-Of-Service-2c4cbb8bf168809581adca3b8052500b?source=copy_link

Screenshots

Debt Payoff Planner4 screens
Proxy4 screens

Verdict

The call

The clearest difference is rating: Debt Payoff Planner at 5.0 against Proxy's 3.7. Debt Payoff Planner also leads on monetization model (free with in-app purchases vs subscription). On price, review sentiment, ratings volume and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Debt Payoff Planner sells 14 in-app purchases, starting at $0.99 per 7 days and Proxy sells 2 in-app purchases, starting at $7.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Debt Payoff Planner holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 4 and 3 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Scorecard2 real differences · 8 level
Debt Payoff Planner versus Proxy: the parameters behind the verdict, then further details
ParameterDebt Payoff PlannerProxy
PriceFreeFree
Rating5.0 (4 ratings) — better3.7 (3 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings4 — better3
Update frequencyEvery 5 days—
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases — betterSubscription
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size76 MB38 MB
Age rating4+4+
DeveloperToffee FinanceBoxChannels LLC

Customer experience

Debt Payoff Planner

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Proxy

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

14 purchases

Debt Payoff Planner

Subscriptions13
  • Weekly7 Days trial$0.997 Days
  • Toffee - Premium3 Days trial$0.997 Days
  • Toffee Pro Weekly$1.997 Days
Show 10 more
  • Premium Weekly7 Days trial$1.997 Days
  • Toffee Pro - Monthly$4.991 Month
  • Toffee7 Days trial$4.991 Month
  • Toffee Pro Weekly - Upgrade$5.997 Days
  • Toffee Pro - Monthly Upgrade$7.991 Month
  • Toffee Pro - Annual7 Days trial$29.991 Year
  • Toffee - Annual3 Days trial$49.991 Year
  • toffee7 Days trial$49.991 Year
  • Toffee Pro - Annual Upgrade$59.991 Year
  • Premium - Annual$69.991 Year
One-time1
  • Toffee Pro - Lifetime Access$29.99
2 purchases

Proxy

Subscriptions2
  • Subscriptions$7.997 Days
  • Subscriptions$49.991 Year

Questions

Is Debt Payoff Planner free?
Debt Payoff Planner is free to download, with in-app purchases available.
Is Proxy free?
Proxy is free to download, with in-app purchases available.
Which has better reviews, Debt Payoff Planner or Proxy?
Debt Payoff Planner is rated higher. Debt Payoff Planner averages 5.0 out of 5 from 4 ratings, while Proxy averages 3.7 from 3 ratings.
Do Debt Payoff Planner or Proxy have ads?
Neither Debt Payoff Planner nor Proxy shows ads.

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