DebtClear vs Toffee
DebtClear
debtclearwith.usToffee
toffeefinance.comSide by side
| Figure | DebtClear | Toffee |
|---|---|---|
| Price from | Free | $2.50/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| iOS | — | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 2 |
| Spec score · Debt Management Software | 7.9 (#9) | 7.7 (#15) |
| Headquarters | Dover, Delaware, United States | Plano, Texas, USA |
| Purpose | DebtClear creates a personal debt payoff plan from debts and a monthly budget entered by the user. | Toffee builds a debt payoff plan and tracks progress toward becoming debt-free. |
| Support | The Google Play listing provides support email [email protected]. | Toffee says its support team responds by email within 1–2 business days. |
Plans
In their own words
DebtClear
DebtClear is an Android app that creates a personal debt payoff plan from debts and a monthly budget entered by the user. It compares Debt Snowball, Debt Avalanche, and Stair-Stepper strategies side by side, showing payoff dates, estimated total interest, and a month-by-month schedule for each debt. Supported debts include credit cards, personal and car loans, student loans, medical debt, and other installment debt. The app works offline, needs no login, and stores debt details locally. Optional payment reminders use notifications on the device. The privacy policy says debt details are not uploaded to the cloud or shared with the developer or third parties, although Android auto-backup may include local data in a Google account backup depending on device settings. Firebase Analytics, Firebase Crashlytics, and Google AdMob may collect technical, usage, crash, or advertising data. DebtClear is free at free, with no subscription or premium tier. Its payoff dates and interest figures are mathematical estimates, not financial, legal, or tax advice. The maker says the iOS version is in development and coming soon.
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.