Straight answers.

Yes. The free plan, all analysis, and your personal member area are free — permanently. No payment card required. No trial period. No hidden costs. Free means free.

The 90-Day Companion (19€, one-time) is an optional upgrade that gives you a guided programme for 90 days. It is not required to use the service.

Your free plan includes:

• A personalised 90-Day Plan based on your exact numbers
• Debt analysis, with your debts grouped by consequence
• Budget and cash flow analysis
• A realistic repayment schedule with a payoff date estimate
• Risk alerts — what happens if you do nothing
• Your legal rights with creditors in your country
• Local debt counselling services and government support programmes
• Emergency Action Card — immediate steps if you are in crisis right now
• One concrete action you can take today
• Access to your personal member area
• The full plan delivered to your email — yours to keep

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.

The 90-Day Companion (19€, one-time) is your guided programme for 90 days. You get everything in the free plan, plus:

• In-depth onboarding built around your exact debts, income, mindset and goals
• Personalised 90-day programme — three phases, country-specific resources
• Update your plan whenever your numbers change — your payoff date moves with it
• Creditor letters — five types drafted from what you enter: hardship notice, payment plan, settlement offer, payment holiday, and opening a conversation. Written for your situation by the same AI that writes your plan, then yours to check, edit and send yourself
• Crisis Budget Tool, Snowball vs Avalanche Calculator, Extra Income Simulator
• Debt Collection Map — your rights at every stage
• Legal Protection Guide — what collectors can and cannot do in your country
• Crisis Action Plans — unemployment, divorce, sick leave, emergencies
• 90-Day Challenge — weekly framework to stay on track
• Companion Mode — guided check-ins and next-step suggestions
• Monthly reminder emails

No. The 90-Day Companion is a single one-time payment of 19€. There is no subscription, no auto-renewal, and no recurring charge of any kind. You pay once. Access lasts 90 days.

Your account is active for 90 days from purchase. On day 83 we email you your kit — your plan, your letters and your numbers, in a file that is yours to keep. On day 89 we send a short reminder. On day 90 the season closes and everything personal is permanently deleted.

There is no archive period, and after day 90 we cannot restore your account, your plan or your documents — your kit is the copy you keep.

On the Ecosystem page, under the 90-Day Companion, you'll find a "Community Access" option. Click it and you'll go straight to checkout with the price already at 0€ — no code to enter, no explanation needed, no waiting for a reply. Financial freedom should never depend on your ability to pay.

Under EU Directive 2011/83/EU Art. 16(m), digital content delivered immediately upon purchase is exempt from the standard 14-day withdrawal right — which you waive at checkout before payment.

That said, we operate a goodwill policy. If you have a genuine issue, contact support@debt-free.world and we will handle it fairly. We have no interest in keeping money from someone who didn't benefit.

Payment is processed via Stripe — the same payment infrastructure used by Amazon, Shopify, and millions of businesses globally. All major credit and debit cards are accepted. The transaction appears as Amliv Oy on your statement.

We don't promise "forever" for either product — that would not be honest, and honesty matters more to us than a nicer-sounding answer. Instead, here is exactly what happens:

• 90-DAY PLAN (free): your account and your My 90-Day Plan are kept for 90 days from the day you created your account. This clock is fixed. Signing in again does not extend it, and there is no way to extend it. On day 90 your account, your answers and your plan are automatically and permanently deleted, and they cannot be restored afterwards. If you want to keep your plan, save or print it while your account is open.
• The 90-Day Companion (19€): your account is active for 90 days from purchase. On day 83 we email you your kit. On day 89 we send a short reminder. On day 90 the season closes and everything personal is permanently deleted. There is no archive period, and after day 90 we cannot restore your account, your plan or your documents — your kit is the copy you keep.

In both cases, we email you before anything is deleted, so it's never a surprise.

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 payoff 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 the 90 days your account is open. A free account is kept for 90 days from the day you created it — that clock is fixed, and signing in again does not extend it. On day 90 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.

No. Debt-Free.World does not represent you to anyone, does not negotiate with your creditors, does not handle your money, does not give legal advice, and does not replace debt counselling or financial counselling.

We do not replace these services. We are built to be used alongside them.

→ What this is not

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 the 90-Day Companion, 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, 37130 Nokia, Finland
Contact: support@debt-free.world

Terms of Service · Privacy Policy · Refund Policy

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.