No fluff. If your question is not here, write to support@debt-free.world and we'll answer — and add it here.
Yes. The free plan, all analysis, and your personal member area are free — permanently. No credit card required. No trial period. No hidden costs. Free means free.
Debt Recovery (19 €, one-time) is an optional upgrade that gives you a companion programme for 90 days. It is not required to use the service.
Your free plan includes:
Yes. The core free service is a permanent commitment — not a temporary offer. Debt-Free.world was built on the principle that financial guidance should be accessible to everyone, regardless of income.
No account or password needed. Enter your email address to receive your plan and access your personal member area. That's it.
Both free and paid users get access to a personal member area — sign in with your email, no password needed. The member area is where your plan lives and where you access the tools included in your plan.
Your plan is built from the specific data you provide — your income, household type, debt amounts, interest rates, housing costs, employment situation, country, and language. It does not produce generic templates. It calculates your actual monthly gap, projects a realistic debt-free date, and gives you country-specific resources and next steps.
The date is calculated from your actual numbers using standard amortisation. It assumes you maintain your current payment pace. It is accurate to the extent your input is accurate — which is why we ask for real numbers, not estimates.
If your situation changes (income, interest rate, new debts), the date will change. The plan is a starting point, not a guarantee.
Yes. Your plan is emailed to you immediately after submission, and it stays in your member area for as long as you keep using it. If a free account is inactive for 90 days, the account and its data are deleted — we'll email you in advance if that's about to happen. Check your spam folder if your plan does not arrive within a few minutes. The sender is insights@debt-free.world.
Your plan can be generated in 19 languages: English, Finnish, Swedish, German, Norwegian, Danish, Dutch, Spanish, French, Italian, Polish, Portuguese, Czech, Estonian, Latvian, Lithuanian, Hungarian, Romanian, and Croatian. Select your language before submitting the form.
The service works globally. Country-specific content — legal rights, creditor negotiation norms, government support programmes, and debt counselling services — is tailored for 40+ countries. If your country is not listed, select "Other" and your plan will include general guidance applicable to your region.
No. Debt-Free.world provides financial guidance and information — not legal advice. For country-specific legal matters, particularly if you are facing enforcement, court proceedings, or insolvency, consult a qualified legal professional or your country's free debt counselling service. We include local referrals in every plan.
We collect the information you provide in the form: income, household type, debt situation, housing costs, country, language, and email address. This data is used solely to generate your plan and send you relevant updates. See our full Privacy Policy.
Your data is processed by our technology and email provider (Brevo) for the purpose of generating and delivering your plan. It is not shared with any other third party, not sold, and not used for advertising.
We will never call you. We may send relevant email updates — you can unsubscribe at any time from any email we send. We do not have a sales team and we do not do outbound calls.
Email support@debt-free.world with the subject "Data deletion request" and your email address. We will delete all associated data within 30 days and confirm when done.
The moment you enter your email and continue, we send your access link straight away — before you've even started the questions that build your plan. That link is yours to use any time, whether you finish the form right then or come back to it later.
Clicking the link opens your member area directly — no password required. Once you complete the short form, your personalised plan appears there. If you purchased Debt Recovery, your 90-day programme tools are available immediately after a short onboarding.
Check your spam or junk folder first — emails from insights@debt-free.world occasionally get filtered. If it is not there within 5 minutes, write to support@debt-free.world with the email address you used and we will resend it manually.
Yes. Debt-Free.world is fully responsive and works on all modern browsers on mobile, tablet, and desktop. No app download required.
Debt-Free.world is operated by Amliv Oy, a Finnish limited company founded and owned by Vilma Paasikivi, entrepreneur and founder of Debt-Free.world.
VAT number: FI32503518
Registered address: Lauttakorventie 7 E 36, 37130 Nokia, Finland
Contact: support@debt-free.world
Email: support@debt-free.world
We typically respond within one business day. We do not have a phone number or live chat. All support is handled by email.
Yes — and we genuinely want it. Write to support@debt-free.world. Vilma reads every message. The most common feedback has directly shaped the product.