Debt Payoff Planner: Tracker vs Toffee
Debt Payoff Planner: Tracker
debtpayoff.appToffee
toffeefinance.comSide by side
| Figure | Debt Payoff Planner: Tracker | Toffee |
|---|---|---|
| Price from | $2.50/mo | $2.50/mo |
| Free plan | Yes | — |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | — | Yes |
| Plans published | 6 | 2 |
| Spec score · Debt Management Software | 8.8 (#2) | 7.7 (#15) |
| Limitations | The app is for iPhone with iOS 26 or later, has no Android version, and supports only snowball and avalanche strategies. | Toffee says payoff dates and interest calculations are estimates, not financial advice, and it is not FCA-authorised or regulated. |
| Payoff strategies | It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate. | Users can choose Snowball, which prioritizes smaller balances, or Avalanche, which prioritizes higher-interest debt. |
| Purpose | The app records debts and payments, compares payoff strategies, and tracks progress; it is a planning tool, not a lender or debt settlement service. | Toffee builds a debt payoff plan and tracks progress toward becoming debt-free. |
| Support | Support is offered through the app listing or the maker’s contact form and email. | Toffee says its support team responds by email within 1–2 business days. |
Plans
Debt Payoff Planner: Tracker
- FreeFree
- FreeFree
- Premium monthly$4.99 a month
- Premium monthly$4.99 a month
- Premium yearly$29.99 a year
- Premium yearly$29.99 a year
In their own words
Debt Payoff Planner: Tracker
Debt Payoff Planner: Tracker is an iPhone app and web-based planning tool for recording debts, logging payments, comparing payoff methods, and following progress. It supports snowball, which targets the smallest balance, and avalanche, which targets the highest interest rate. Users can review payment history, set reminders, and see a debt-free estimate. The app tracks both money users owe and money owed to them, and works offline. Debts are entered manually; the app does not connect to a bank or request bank login details. Records stay on the user's iPhone and private iCloud rather than the developer's servers, though purchases, analytics, and diagnostics use service providers. The free plan covers up to three debts. Premium monthly costs $4.99 a month, while Premium yearly costs $29.99 a year and includes a 7-day free trial. Paid plans add unlimited debts, exact strategy order comparisons, advanced statistics, and PDF reports. The app requires iOS 26 or later; the website also offers browser-based payoff calculators without an account.
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.