Preheat your oven to 400°F (200°C).
Line your baking sheet with parchment paper.
Lay the saltine crackers in a single layer on the parchment-lined baking sheet.
In a medium saucepan, melt the butter over medium heat. Stir in the brown sugar and bring to a boil.
Allow the mixture to boil for about 3-4 minutes until it thickens slightly.
Pour the toffee mixture over the arranged saltine crackers and spread it evenly.
Bake for 5-7 minutes, or until the toffee is bubbly and golden.
While the toffee is baking, melt the chocolate and peanut butter chips in a microwave-safe bowl.
Once melted, pour the mixture over the toffee and spread it evenly.
Allow the toffee to cool at room temperature for about 30 minutes, then refrigerate for 1-2 hours until fully set.
Break the toffee into pieces and serve.