The method
How Debtox works
Most money apps tell you what's wrong. Debtox tells you what to do next. One move. Tonight. The ox handles the rest.
The gap nobody fills
People open the bank app, see the number, close the app, and do nothing useful for twenty minutes. The gap isn't knowledge and it isn't even looking. It's the moment after looking, when nothing on the screen suggests a move.
Debtox lives in that moment. The instant the stress hits, we hand you one small thing to do that makes the number better.
The rock
Your rock is the gap between you and free: debt remaining, cushion missing, or both. One number, one object. Every euro you keep makes it physically smaller. Big rock, small rock, no rock.
The ox
Not a pet, not a judge. A draft animal. Your stubbornness with a body. It pushes head-first. It never dies and never scolds. When you stop, it sits down and waits. Helping it is easier than disciplining yourself, and that is the entire mechanic.
One small move a week
You tell us where your money tends to go. We hand you one move at a time: cook tonight instead of ordering, skip three bought coffees, cancel one subscription you forgot. Each move keeps a specific amount. You log it. The rock shrinks.
Flexibility, by design
Lapses do not earn a lecture. A missed week rolls forward into next week's bonus round. A surplus week banks the extra. A move you won't actually do can be swapped for another from the same category. Your rule, not ours.
The proof line
"Free in 11 months. Was 14 when you started."
That line, updating every week, is the whole product.
Want the long version per mode? Paying off debt · Building an emergency fund.