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SPECIFICTION
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Toffee

toffeefinance.com

From $2.50/mo Free trial WebiOSAndroid
Visit toffeefinance.com
Spec score 7.7 #15 of 23 in Debt Management Software

What it is

Toffee builds debt payoff plans and tracks progress toward becoming debt-free. Users enter credit cards, student loans, auto loans, personal loans, medical debt, and other debts themselves, then choose Snowball, which prioritizes smaller balances, or Avalanche, which prioritizes higher-interest debt. Planning tools include payoff order, projected debt-free dates, estimated interest, extra-payment scenarios, payment tracking, reminders, progress, and milestones. Toffee does not connect to banks or require bank login; payments are made through lenders. A free calculator creates a payoff plan without signup. Toffee is available on Android, iOS, and the web. Listed plans include Toffee Pro Monthly at $4.99 a month with no trial, and Toffee Pro Annual at $29.99 a year with a 7-day free trial. Its pricing descriptions conflict: the homepage presents subscriptions, while July 2026 terms describe core tracking at no cost and a 29.99 USD one-time premium payment. Payoff dates and interest calculations are estimates, not financial advice, and Toffee is not FCA-authorised or regulated.

Spec sheet

Purpose
Toffee builds a debt payoff plan and tracks progress toward becoming debt-free.Read 8 Oct 2026 · toffeefinance.com
Support
Toffee says its support team responds by email within 1–2 business days.Read 8 Oct 2026 · toffeefinance.com
Headquarters
Plano, Texas, USARead 28 Sep 2026 · toffeefinance.com
Age
The privacy policy says Toffee is intended for users aged 13 and over; users aged 13–15 in the UK require verifiable parental or guardian consent.Read 8 Oct 2026 · toffeefinance.com
Bank connections
Toffee says it does not connect to banks; users enter and update debts directly, and no bank login is required.Read 8 Oct 2026 · toffeefinance.com
Data retention
The privacy policy says account data is deleted within 30 days of a verified deletion request; payment records are retained for seven years by Stripe.Read 8 Oct 2026 · toffeefinance.com
Free calculator
The site offers a free payoff plan calculator with no signup required.Read 8 Oct 2026 · toffeefinance.com
Limitations
Toffee says payoff dates and interest calculations are estimates, not financial advice, and it is not FCA-authorised or regulated.Read 8 Oct 2026 · toffeefinance.com
Payments
Toffee helps users plan and track payoff, while payments are made through their lenders.Read 8 Oct 2026 · toffeefinance.com
Payoff strategies
Users can choose Snowball, which prioritizes smaller balances, or Avalanche, which prioritizes higher-interest debt.Read 8 Oct 2026 · toffeefinance.com
Planning features
The app includes debt-free date projections, payoff order, interest estimates, extra-payment scenarios, payment tracking, reminders, progress, and milestones.Read 8 Oct 2026 · toffeefinance.com
Pricing terms discrepancy
The homepage lists annual and monthly subscriptions, while the July 2026 Terms of Service describe core tracking features at no cost and a $29.99 USD one-time premium payment with no subscription.Read 8 Oct 2026 · toffeefinance.com
Privacy and processors
The privacy policy says Stripe handles payment data and lists Google, PostHog, Meta, Resend, Apple, and Vercel among service providers.Read 8 Oct 2026 · toffeefinance.com
Security and compliance
The privacy policy says UK data transfers use Standard Contractual Clauses or the UK International Data Transfer Agreement where required, and says the company is in the process of registering with the ICO.Read 8 Oct 2026 · toffeefinance.com
Supported debts
Users can enter credit cards, student loans, auto loans, personal loans, medical debt, and other debts themselves.Read 8 Oct 2026 · toffeefinance.com

Plans and prices

Toffee Pro — Monthly $4.99 a month $4.99 / month; billed monthly, no trial Unlimited debts · Snowball & Avalanche plans · Debt-free date projections · Payment tracking · Reminders · Progress & milestones · What-if payoff scenarios Read 8 Oct 2026 · toffeefinance.com
Toffee Pro — Annual $29.99 a year $29.99 / year; about $2.50 a month; annual plan starts with a 7-day free trial Unlimited debts · Snowball & Avalanche plans · Debt-free date projections · Payment tracking · Reminders · Progress & milestones · What-if payoff scenarios Read 8 Oct 2026 · toffeefinance.com

Every Toffee plan and price →

Strong points and limits

Strong points

  • Supports Snowball and Avalanche strategies
  • Manual debt entry without bank login
  • Debt-free projections and scenarios
  • Free calculator without signup
  • Android, iOS, and web access

Limits

  • Calculations are estimates, not financial advice
  • Not FCA-authorised or regulated
  • Pricing descriptions conflict
  • Payments remain with lenders

Who it suits

It suits people who want to enter debts manually, compare Snowball and Avalanche strategies, and track payoff progress without bank connections. It is intended for users aged 13 and over, with additional UK consent requirements for ages 13–15.

Verdict

Toffee offers manual debt planning, strategy comparison, and progress tracking across common debt types. Resolve the differing subscription and one-time-payment descriptions before paying, and treat projections as estimates.

Where Specifiction places it

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