Household & Verta

Out of the loan spiral, one month at a time.

Eight lenders, three cards, a salary that disappears on the 25th. The way out is not a trick. It is seeing the whole picture, knowing the one number that decides the finish date, and doing the next small thing every week.

Runs only on this machine. Your figures never leave it.
What the tunnel looks like when the payment changes
all⅓0 with the planbaseminimums only
Illustration, not anyone's figures. Inside, the curves are built from your own statements.
See

The whole picture, from the bank's own files

Every account, every loan, every invoice, read from the exports and the documents that own each number. Nothing typed in twice, nothing estimated without saying so.

Decide

One number that decides the finish date

What goes to the loans each month. Drag it and watch the tunnel end move; every lever and every new income stream shows what it adds.

Do

A plan you can tick off

The ten-minute actions first. Portals to check each week, deadlines with the days left, and a checkpoint that tells you whether the last quarter went to plan.

How people get out

  1. Stop the bleeding. No new credit, the overdraft to zero, every missed instalment paid before it becomes a remark.
  2. Pay the most expensive krona first. Highest rate first, minimums on the rest. The order is fixed and the app keeps it.
  3. Pre-commit what has not arrived yet. Bonuses, refunds, a partner's new salary: a destination before the money lands.
  4. Earn more where it is cheapest to earn. Hours already worked, costs already paid that a client should carry, one evening track, not five.
  5. Look every week, decide once a month. Fifteen minutes, together, with the children hearing the plan in words they understand.
Private by construction. The server listens on this machine only. Sign-in with a password and a second factor; ticks and plans are encrypted at rest with a key that never enters the database.
Honest by rule. Every figure has one owner document. Estimates say so. Models are labelled as models, and the measured pace is shown next to them.
Built for one household, shared as a shape others can copy: a Node page, Postgres, no accounts anywhere else.

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