GET CLEAR ON YOUR MONEY.
Practical tools to understand your debts, your payments and what to do next.
START YOUR DEBT RESETYou do not need to solve everything today. Start by getting a clear picture of where you are.
WHERE ARE YOU RIGHT NOW?
Choose the situation that feels closest to yours.
I HAVE MULTIPLE DEBTS
Different creditors, different dates, different amounts. Get everything in one place.
GET ORGANIZEDI AM BEHIND ON PAYMENTS
Bills are piling up and you are not sure what to pay first.
MAKE A PLANI DO NOT KNOW WHAT I OWE
Stop avoiding the numbers. Start with what you know and build the overview from there.
START MY OVERVIEWI AM STRUGGLING TO MAKE ENDS MEET
Your income is not covering your essentials or debt payments.
CHECK MY BUDGETKNOW YOUR NUMBER.
Debt feels bigger when it stays in your head. Put the numbers somewhere you can see them. Once you have an overview, you can decide what comes next.
START YOUR DEBT RESET.
List your debts, amounts, payment dates and current status. You do not need perfect information to begin.
This tool runs in your browser. What you type stays on your device and is not sent to us.
Debt Reset
Add every debt you have. You'll see the true total, your monthly minimums and a suggested order to tackle them.
Total debt
€ 0
Total monthly minimums
€ 0
Debts tracked
0
Your debt list
No debts added yet.
Start with one. Even a rough number is better than not looking.
This is an educational planning tool, not professional financial advice. Figures are estimates based on what you enter.
WHAT SHOULD I DO FIRST?
- 01STOP AVOIDING THE NUMBERSOpen your bills, statements and messages.
- 02LIST WHAT YOU OWEWrite down every debt you know about.
- 03PROTECT THE BASICSPrioritize essentials such as housing, food, energy and necessary insurance.
- 04CONTACT THE RIGHT PARTYIf you cannot pay, contact the creditor or ask for help before the situation gets worse.
- 05GET SUPPORT IF YOU NEED ITYou do not have to manage serious debt alone.
For users in the Netherlands
IN THE NETHERLANDS, HELP IS AVAILABLE.
If you have money worries or problem debts, you can contact your municipality for advice and debt assistance. You can also contact Geldfit for free and anonymous support.
Municipalities provide debt assistance and a first appointment is usually arranged within a set period. If your situation is urgent, for example an eviction, a shut off of energy or water, or the end of your health insurance, you can often be helped faster. Eligibility and the exact route depend on your municipality and your situation.
PAYMENT PROBLEMS?
If you cannot pay a bill, do not ignore it. Contact the creditor and ask what options are available. A payment arrangement may be possible. For serious or multiple debts, contact your municipality for debt assistance.
YOU ARE NOT YOUR DEBT.
Debt is a financial situation. It is not a measure of your worth. Focus on the next practical decision.
ONE NUMBER AT A TIME.
You do not need to fix everything today. Start with one debt, one payment or one call.
START YOUR DEBT RESETThe Recovery Diary provides practical information and tools. It is not a debt counselling service, legal service or financial adviser. Information can vary by country and situation. For personalized debt assistance in the Netherlands, contact your municipality or an appropriate recognized support service.