Toffee — Debt Tracking App
Most debt apps are either overwhelming or overly simplistic. Toffee takes a different approach: it focuses on the emotional side of debt payoff, making progress visible and celebrating milestones to keep users motivated on the long journey to financial freedom.
The problem
People know they have debt but lack a clear, motivating system to attack it. Spreadsheets are powerful but cold; existing apps are cluttered and anxiety-inducing.
The solution
A clean, encouraging debt payoff app built around the debt snowball and avalanche methods — with beautiful visualizations, streak tracking, and celebration moments.
Progress
- —Product concept and wireframes complete
- —Brand identity (Toffee) established
- —React Native app in active development
- —Supabase backend setup complete
Lessons learned
- 01
The FinTech audience is extremely sensitive to trust — design matters enormously
- 02
Simple wins: the core debt payoff visualization is the entire product
- 03
Building in public on X generated early waitlist signups before a line of code was written