Most people only ever need the first stage — and it is free, forever. Income Builder, the next stage we're building, will open with a free tier too. The rest exists for when you want it, not because you have to.
Most people spend months guessing what to do about debt. 90-Day Plan replaces guessing with a personalised plan built from your real numbers — in about two minutes, at no cost, with no catch.
The 90-Day Companion turns your plan into daily action — built for the moments your free plan can't walk through with you.
[Your name] [Your address] [Date] To: [Creditor name] Re: Account [account / reference number] I'm writing about the account above. My circumstances have recently changed — [reason: reduced income / job loss / illness] — and I can't currently meet the agreed payments. I want to resolve this responsibly rather than let it drift. Based on what I can realistically afford, I'm proposing [amount] per month from [date], and I'll keep you updated if my situation changes. Please confirm this in writing and pause further charges or collection activity while we agree a way forward. Yours faithfully, [Your name]
In Ireland, for example, a Debt Relief Notice can write off qualifying unsecured debts after a supervised period, and a Debt Settlement Arrangement can restructure larger debts without going to court.
Once your debt is under control, the next real lever is income — not another round of cutting back. Income Builder will help you find realistic, achievable ways to earn more, built around your actual time and skills. Like 90-Day Plan, the first tier will cost nothing.
We'll let you know the moment this opens. No spam, ever.After debt and income, the question changes from "how do I survive" to "how do I make sure this never happens again." Wealth Architect will help you build savings, protection, and long-term security — at a pace that fits real life.
We'll let you know the moment this opens. No spam, ever.Some people who start this journey in crisis end up somewhere unexpected: ready to build something of their own. Business Engine is for that chapter — entirely optional, entirely later, here whenever you're ready.
We'll let you know the moment this opens. No spam, ever.The 90-Day Companion is 19€ because building it and keeping it accurate costs money. But if paying it would mean choosing between this and something essential, you don't have to. Community Access gives you the full 90-day companion, free — no explanation needed. It's here for people who genuinely can't pay right now, offered the way we'd want it offered to us.
Get Community Access — freeStart with the one stage that costs nothing. Two minutes, no payment card, no commitment.
Build my 90-Day PlanThese are national organisations, independent of Debt-Free.World. There is no commercial relationship in either direction: they do not pay us and we do not pay them.
We do not replace these services. We are built to be used alongside them.