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. It's the moment after looking, when nothing on the screen suggests a move. Debtox lives in that moment.
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 smaller.
Big rock, smaller rock, almost gone.
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.
The loop
Four steps. One a week.
Pick your number
Debt to clear, cushion to build, or both. One number, on screen.
Get one move
Cook tonight. Skip three bought coffees. Cancel one subscription you forgot.
Log what you kept
Tap the amount you actually saved. The rock or the cushion updates by that euro.
Watch the date move closer
Your proof line updates every week. Time falls off the calendar.
Cook tonight instead of ordering
Keeps about €12
The card you see on Tuesday night.
Not a budget
One move a week, not fifty decisions a month.
Budget
- Fifty decisions a month, then judgment on the ones you got wrong.
- A category to balance, an envelope to refill, a spreadsheet to maintain.
- Miss a week and the whole system feels broken.
Debtox
- One small move a week, picked for you from the categories that get you.
- No envelopes, no categories to balance. Just the rock and the ox.
- Miss a week and the gap rolls into next week's bonus round.
"Free in 11 months. Was 14 when you started."
That line, updating every week, is the whole product.
Questions people ask
Meet your ox.
The first move takes less than three minutes to pick.
Meet your oxFree to start. No bank connection. Cancel anytime.