Changed vs Toffee
Changed
gochanged.comToffee
toffeefinance.comSide by side
| Figure | Changed | Toffee |
|---|---|---|
| Price from | $4/mo | $2.50/mo |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 2 |
| Spec score · Debt Management Software | 8.0 (#8) | 7.7 (#15) |
| Headquarters | Chicago, Illinois, United States | Plano, Texas, USA |
| Purpose | Changed is a debt payoff app that rounds up purchases and uses the savings to help pay down debt. | Toffee builds a debt payoff plan and tracks progress toward becoming debt-free. |
| Support | Changed directs users to its Help Center for answers to common questions and provides a support contact page. | Toffee says its support team responds by email within 1–2 business days. |
Plans
In their own words
Toffee
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.