All debts.
One plan.
Finally free.
The free debt payoff planner built for Germany. See all loans at a glance, compare snowball vs avalanche strategies, simulate extra payments — and find your debt-free date. Perfect for expats managing finances in Germany.
No spam. Just one message when we launch.
Millions of new loans per year.
No debt calculator that actually helps.
PDFs instead of clarity
Your bank gives you a repayment plan as a PDF. Per loan. No big picture, no strategy, no "what if?"
Overdraft trap (Dispo)
Often over 10% interest. Banks have little incentive to get you out — replacing your Dispo with a personal loan at 5% saves hundreds per year.
No app speaks German
US apps don't handle Effektivzins, Sondertilgung, or comma decimals. For Germany, there's barely anything.
It couldn't be simpler
Enter your debts
Name, balance, interest rate, monthly payment. Four fields — done. No account needed, no bank login.
Compare strategies
Snowball vs avalanche method? See instantly how much you save with each debt payoff strategy — in euros and months.
Simulate & save
Move the extra payment calculator slider: "What if I pay €100 more?" Simulate Sondertilgungen and watch your debt-free date move closer — in real time.
What if...?
Additional monthly payment
Move the slider and see what happens
Built for Germany.
Made for you.
Debt calculator dashboard
All debts at a glance: balance, rate, monthly payment, progress. Your debt-free date always visible. The debt payoff planner Germany needs.
FreeSnowball vs. Avalanche Method
Compare both strategies: How much do you save with the avalanche method? How fast are first wins with snowball?
FreeSondertilgung planner
Plan annual Sondertilgungen (extra repayments) with limits (5%, 10%). See exactly how much your tax refund saves.
Made for Germany100% local & GDPR compliant
Your data stays on your device. No account, no login, no server, no cookies, no trackers. Period.
FreeWorks offline
Works without internet — even on the train. Your debt plan is always with you, as an installable web app.
FreeDeutsch & English
Fully in German with correct formatting (1.234,56 €). English for expats managing finances in Germany. Glossary of key financial terms.
FreeReady to become debt-free ?
Completely free. No account needed. No bank login. Just get started.
No spam. Just one message when we launch.