Tolnaftate interferes with an early step in the way fungi build ergosterol, the fat their outer membrane depends on. Without it the fungus cannot grow properly. The important detail is that it mostly holds the fungus still rather than killing it, which is why the courses are long and why relapse is common if you stop early.
Its coverage is narrow. Tolnaftate works on dermatophytes — the fungi behind athlete's foot, jock itch and ringworm — but it has poor activity against Candida. That is the gap that matters most. A red, sore rash in a skin fold with small satellite spots around the edge is usually Candida, and tolnaftate will not clear it. Clotrimazole or miconazole will. If you have been treating a fold with a foot powder for weeks with no progress, this is usually why.
Using it on a rash in a skin fold and expecting it to work. If the rash is beefy red with small spots scattered around the edge, that is Candida, and tolnaftate is the wrong drug.
Using it on the scalp or on nails. It will not reach the fungus in either.
Steroid creams on the same patch without advice.
Broken, weeping or badly cracked skin — the powders in particular sting, and open skin needs a different approach first.
Eyes.
There are no interactions with medicines, alcohol or sun. Essentially none of it is absorbed into the body.
The first week
Itch usually settles, though more slowly than with terbinafine.
Weeks two to four
Scaling and redness fade gradually. This is genuinely slower than the other options — tolnaftate does not kill fungus, it stalls it, and your skin has to shed the rest.
At two weeks with no change
Stop and switch. Either it is Candida, which tolnaftate does not cover, or it is not fungal at all. Continuing for another month rarely helps.
For prevention
There is nothing to see. It works by keeping the fungus count down in your shoes and on your skin, and you judge it by whether athlete's foot stays away over months.
If you were using it to clear an infection and stop early, it usually comes back — more often than with the fungicidal creams, because the fungus was held in check rather than killed.
If you were using it for prevention and stop, athlete's foot tends to return over the following months in people who are prone to it. That is not a failure of the product; it is what happens when the shoes go back to being a warm, damp home for fungus. Many people simply keep the powder going, which is safe long term.
Nothing rebounds and there is no withdrawal.