Building Toffee: How I’m Tackling the Messy Truth About Debt, One Line of Code at a Time

Toffee is a debt tracking and management app designed to turn financial stress into momentum. The app's interface is intentionally simple, but there's some sophisticated logic working behind the scenes to help users tackle their debt effectively. Toffee's data architecture is built with user privacy in mind.

In the middle of a late-night coding session, somewhere between refactoring state logic and wondering if I had over-engineered my onboarding flow again, I asked myself: Why hasn’t anyone made it easier to actually get out of debt, like, really out of it?

Not just track balances. Not just make budgets. But actually guide people through the emotional and practical journey of paying off what they owe.

That question became Toffee, A debt tracking and management app designed to turn financial stress into momentum.

This is the story so far.

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