Pay off debt without a budget you'll quit by Friday.

Your debt is the rock

One number, one object on screen. Every euro you log shrinks it by that euro. No categories to balance, no envelopes to refill. Big rock, small rock, no rock.

Interest is not a vibe. It's a number.

Three quiet days on a balance carrying interest cost you real money. Debtox says so plainly — never to shame, always to give you a reason to do the next small thing. Truth is not shame.

The proof line

"Debt-free in 11 months. Was 14 when you started."

That line updates every week. Time falling off the calendar is the whole product.

Common questions

Do I have to make a budget?

No. Debtox is the opposite of a budget. You pick categories that get you, we hand you one move at a time. There's no spreadsheet to maintain and no monthly category to balance.

How does Debtox actually move my balance?

Each weekly move keeps a specific amount: skip three bought coffees, cook tonight instead of ordering, cancel one subscription you forgot. You log what you kept; the rock — your debt remaining — shrinks by that amount.

What happens when I miss a week?

Nothing harsh. The gap rolls forward into next week's bonus round, with celebratory framing when you clear two weeks in one. The ox sits down and waits. The rock stays exactly where you left it.

Does it work with credit cards, loans, BNPL, all of it?

Yes. Debtox doesn't connect to your accounts and doesn't care about the type of debt. You enter the amount you want gone. Every euro you log shrinks it, regardless of which lender wrote the original IOU.

Is this financial advice?

No. Debtox helps you build better spending habits. We are not a financial advisor. For advice on specific debts, interest, or repayment order, talk to a qualified professional.