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Toffee
Plano, Texas, USA
What it is
Toffee is a debt payoff planning app that helps users set a strategy and track progress toward becoming debt-free. Users can choose Snowball, which puts smaller balances first, or Avalanche, which prioritizes higher-interest debt. The app projects a payoff date and interest, organizes payoff order, and supports extra-payment scenarios, payment tracking, reminders, progress, and milestones. Users enter debts themselves, including credit cards, student loans, auto loans, personal loans, medical debt, and other debts. Toffee does not connect to banks or require bank login; payments are made through lenders, while Toffee supports planning and tracking. Its free payoff calculator requires no signup. Toffee lists a free plan and paid Pro options: Monthly costs $4.99 a month, with no trial, and Annual costs $29.99 a year and starts with a 7-day free trial. Pricing descriptions differ: the homepage presents subscriptions, while the July 2026 Terms describe core tracking at no cost and a $29.99 one-time premium payment. The service is available on Android, iOS, and web. Payoff dates and interest calculations are estimates, not financial advice, and Toffee is not FCA-authorised or regulated.
For and against
For
- Offers Snowball and Avalanche payoff strategies
- Tracks payments, reminders, progress, and milestones
- No bank connection or login is required
- Free calculator available without signup
- Available on Android, iOS, and web
Against
- Users must enter and update debt details themselves
- Payoff dates and interest calculations are estimates
- Toffee is not FCA-authorised or regulated
- Pricing descriptions differ between the homepage and terms
The verdict
Toffee focuses on payoff planning and progress tracking rather than handling payments or connecting to bank accounts. Review the pricing discrepancy and remember that its projections are estimates, not financial advice.
Who it suits
Toffee suits people who want to organize several kinds of debt and compare payoff approaches. It is for users willing to enter and update debt details themselves and make payments through their lenders.
Plans and prices
Toffee Pro — Monthly
Unlimited debts · Snowball & Avalanche plans · Debt-free date projections · Payment tracking
Read 8 Oct 2026 · toffeefinance.com
Toffee Pro — Annual
Unlimited debts · Snowball & Avalanche plans · Debt-free date projections · Payment tracking
Read 8 Oct 2026 · toffeefinance.com
On the record
- 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.toffeefinance.com · read 8 Oct 2026
- Bank connections
- Toffee says it does not connect to banks; users enter and update debts directly, and no bank login is required.toffeefinance.com · read 8 Oct 2026
- 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.toffeefinance.com · read 8 Oct 2026
- Free calculator
- The site offers a free payoff plan calculator with no signup required.toffeefinance.com · read 8 Oct 2026
- Limitations
- Toffee says payoff dates and interest calculations are estimates, not financial advice, and it is not FCA-authorised or regulated.toffeefinance.com · read 8 Oct 2026
- Payments
- Toffee helps users plan and track payoff, while payments are made through their lenders.toffeefinance.com · read 8 Oct 2026
- Payoff strategies
- Users can choose Snowball, which prioritizes smaller balances, or Avalanche, which prioritizes higher-interest debt.toffeefinance.com · read 8 Oct 2026
- Planning features
- The app includes debt-free date projections, payoff order, interest estimates, extra-payment scenarios, payment tracking, reminders, progress, and milestones.toffeefinance.com · read 8 Oct 2026
- 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.toffeefinance.com · read 8 Oct 2026
- Privacy and processors
- The privacy policy says Stripe handles payment data and lists Google, PostHog, Meta, Resend, Apple, and Vercel among service providers.toffeefinance.com · read 8 Oct 2026
- Purpose
- Toffee builds a debt payoff plan and tracks progress toward becoming debt-free.toffeefinance.com · read 8 Oct 2026
- 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.toffeefinance.com · read 8 Oct 2026
- Support
- Toffee says its support team responds by email within 1–2 business days.toffeefinance.com · read 8 Oct 2026
- Supported debts
- Users can enter credit cards, student loans, auto loans, personal loans, medical debt, and other debts themselves.toffeefinance.com · read 8 Oct 2026
