No Excel.
No waiting.
Finally clarity.
All loans at a glance. Compare snowball vs. avalanche, simulate scenarios — and see when you'll be debt-free.
No account. No data transfer. Just start.
Paying off debt is complicated –
without the right plan
Documents scattered everywhere
Sparkasse, Santander, overdraft, installment loans – every bank sends its own PDF. How do you put the puzzle together? Which debts are most important? Where do you even start?
Which strategy is the right one?
Snowball method (smallest debt first for quick wins) or avalanche method (highest interest first, saves more money)? How much difference does it really make with your actual numbers?
Excel is a huge effort
You've entered everything in Excel. But calculating different scenarios ("what if we pay €200 extra – into which loan?") is tedious and error-prone. And you're not sure your formulas are correct.
Debt counseling: weeks of waiting
Free counseling makes sense, but the wait times are quite long. You want to understand where you stand now and have a plan before you go there.
No tools for Germany
American apps don't know Effektivzins, Sondertilgung, or comma decimals. And German repayment calculators? Only for individual loans, no strategy comparisons, no scenarios.
No end in sight
You pay your installments every month. But when will you actually be debt-free? Without a full overview and clear plan, the road feels endless – and motivation fades.
Compare strategies instead of guessing
🎯The only debt planner with a "what-if" simulator for Germany
Don't just see numbers – see the way out. Compare snowball and avalanche methods side by side. Test in real time: "What happens if we pay €100 extra? €200? Into which loan?"
With real numbers, not just theory. Visual, understandable, concrete.
Example: Three loans, one plan:
- • Car loan (2.9% interest) – €5,000
- • Overdraft (14.9% interest) – €10,000
- • Personal loan (6.5% interest) – €17,000
SchuldenFrei shows instantly:
✓ Snowball method (smallest first): Debt-free in 89 months, €12,170 interest
⚡ Avalanche method (highest interest first): Debt-free in 85 months, €10,390 interest
→ €1,780 saved + 4 months earlier!
📊 What-if: With €100 extra per month → Debt-free 19 months earlier
Your plan in 3 steps
Enter debts
For each loan: name, balance, interest rate, monthly payment. Four fields – done. No account needed, no bank login. The full overview appears instantly.
Compare strategies
Snowball vs. avalanche method – see both strategies side by side. With real numbers: How much does each method save? When are you debt-free?
Simulate scenarios
Move the slider: "What if we use the tax refund as an extra payment?" Test different scenarios, see differences instantly – concrete numbers instead of guesses.
What if...?
Additional monthly payment
Move the slider and see what happens
Everything you need –
nothing you don't
Full overview of all debts
All loans at a glance. Balance, interest rate, monthly payment, debt-free date. Finally understand where you really stand – without Excel chaos.
FreeSnowball vs. Avalanche – visually explained
Both strategies side by side with real numbers. No theory, but concrete: How much does the avalanche method save with your numbers? How motivating are the quick wins of the snowball method?
Free"What-if" simulator
The heart of SchuldenFrei. Test different scenarios: extra payments, lump sums, refinancing. See instantly: "If we do X, Y happens."
Unique in GermanyBuilt for Germany
Effektivzins, Sondertilgung, Dispo – all accounted for. Correct German formatting (1.234,56€). Not just translated from the US, but built for German loans.
Made in Germany100% private & GDPR compliant
Your financial details stay private. No upload, no server, no login. Everything runs locally on your device. Nobody sees the numbers except you.
FreeWorks everywhere
Laptop, tablet, or phone – your debt plan is always with you. Web app that runs on any device. Also works offline.
FreeFrequently Asked Questions
Is it really free?
Yes. Completely. No freemium, no hidden costs, no "paid later". SchuldenFrei is and will remain free.
Is my data safe?
Yes. Your data is never uploaded. Everything runs locally in your browser. No server, no login, no cloud. If you close the app and clear your browser cache, the data is gone.
What's the difference to Excel?
Excel can do everything – if you know the right formulas. SchuldenFrei makes it simple: enter numbers, compare strategies, test scenarios – everything automatically calculated and visually displayed.
Does it work with all German loans?
Yes. Overdrafts, installment loans, car loans, loans from banks and Sparkassen. As long as you know the balance, interest rate, and monthly payment, it works.
Do I need an account?
No. No registration, no login, no email required. Just open and get started.
What about rent, utilities, and other essential debts?
SchuldenFrei currently focuses on consumer loans (overdraft, installment loans, etc.). For essential debts like rent arrears or energy debts, you should contact a debt counseling service as a priority.
Ready for clarity?
Completely free. No account needed. No sensitive data. Just get started.