Question 1

Do I have to make a budget?

Accepted Answer

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.

Question 2

How does Debtox actually move my balance?

Accepted Answer

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.

Question 3

What happens when I miss a week?

Accepted Answer

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.

Question 4

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

Accepted Answer

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.

Question 5

Is Debtox a debt payoff planner?

Accepted Answer

It's a debt payoff planner that plans for you. You don't build a schedule or maintain a sheet: you enter the amount you want gone, and each week Debtox hands you the move and updates your payoff date as you log what you kept.

Question 6

What's the best app to pay off debt if budgets never stick?

Accepted Answer

The best app to pay off debt is the one you still open in month three. Budgets ask for fifty decisions a month. Debtox asks for one move a week, which is why people who've quit every other method tend to stay with this one.

Question 7

Does it work as a debt tracker app?

Accepted Answer

Yes. The rock on screen is your debt tracker: one number, shrinking by every euro you log, with the months falling off your payoff date. No bank connection, no transaction feed to categorise.

Question 8

Is this financial advice?

Accepted Answer

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.

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

Your debt is the rock

The move you actually do

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

Things people ask first.

Meet your ox.