Debt Tracker vs Payoff

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.

Pay off what you owe, one month at a time. Payoff turns your debts into a plan you can actually follow: what to pay, on which debt, this month. Tick each one off as you pay it, and watch the debt-free date come closer. THIS MONTH'S PLAN Every month, Payoff works out exactly what to put on each debt. Log a payment in two taps — the minimum, the planned amount, or the lot — and the plan updates itself. SEE WHAT YOU'RE SAVING Your plan against paying minimums only, side by side: the years and the interest you avoid. Drag the extra-payment slider to see what another $50 a month would do. EVERY STRATEGY, COMPARED Avalanche, Snowball, Hybrid, Cash-flow first and Promo deadline — for 0% and intro rates. Best plan for me runs all of them on your actual debts and tells you which wins, and why. PROGRESS WORTH WATCHING How much you've paid off, your debt-free countdown, whether you're ahead of plan, and every payment you've logged. Each debt gets its own progress bar. NEVER MISS A DUE DATE Reminders a few days before each debt is due, at a time you pick. ON YOUR HOME SCREEN A widget with your debt-free countdown, so your progress is there without opening the app. WORTH SHARING Turn your debt-free date into a card for Stories, or celebrate a debt you've cleared. Hide the amounts if you'd rather not show the numbers. YOURS, AND PRIVATE No account, no ads, no analytics. Your debts never leave your phone. Lock the app with Face ID, pick from 16 currencies, and switch to dark mode. FREE, OR PREMIUM Free for three debts, with Avalanche and Snowball, this month's plan, payment logging, progress, the minimums comparison, share cards, the widget, currencies, dark mode and Face ID. Payoff Premium is a one-time purchase for unlimited debts, Best plan for me, the other three strategies, custom order, the extra-payment simulator, due-date reminders and CSV export. No subscription.