Debt Payoff Planner vs DebtWise

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.

DebtWise helps you build a realistic, personalized debt payoff plan — and actually stick to it. Most debt apps force you into Avalanche (highest interest first) or Snowball (smallest balance first). DebtWise gives you a third option: your own order. CUSTOM PAYOFF ORDER Drag your debts into any sequence that makes sense for your life. Pay off the family loan first. Tackle the one causing you the most stress. DebtWise recalculates your freedom date instantly every time you reorder — no re-entering data, no spreadsheet fiddling. NEVER MISS A PAYMENT Get a local reminder 3 days and 1 day before each debt's due date. Tap "Mark as Paid" when you've paid — the app advances the due date and starts building your payment history. All reminders are scheduled on-device. No server, no account. AVALANCHE & SNOWBALL TOO Both classic strategies are built in. With Pro, compare them side by side: see exactly how much interest each one saves and which gets you debt-free fastest. CASCADE EFFECT When a debt is paid off, its minimum payment automatically rolls into the next one — accelerating your payoff without any extra effort. Included with Pro. TRACK YOUR PROGRESS Watch your freedom date get closer. Unlock milestones as you pay down each debt. See your total interest shrinking month by month. WORKS OFFLINE, IN 9 LANGUAGES Fully usable with no internet connection. Available in English, Spanish, French, German, Italian, Portuguese, Japanese, Korean, and Chinese. FREE TO START Track unlimited debts, free forever — reminders, milestones, and data export included. Upgrade to Pro for your own custom payoff order, cascade payments, side-by-side strategy comparison, the cash-flow-first strategy, and data import. Pro is a yearly plan or a one-time purchase. PRIVATE BY DESIGN No account. No cloud sync. No ads. Your debts live only on your device and leave it only if you export or share them. Anonymous usage stats (which features are used, when something breaks) never include your debts or anything that identifies you. Terms of Use: https://sites.google.com/view/debtwise-terms-of-use/home