Termômetro da Dívida

Are you in debt and don't know where to start? The Debt Thermometer provides a complete diagnosis of your financial situation in just 3 minutes. Answer 10 simple questions, receive a score from 0 to 100, and discover exactly what to do to get out of debt.

100% anonymous -- no registration, no CPF (Brazilian tax ID), no personal data. Your answers remain only on your phone.

Why use the Debt Thermometer?

• Personalized debt diagnosis -- 10 questions about income, expenses, and debt types generate a tailored analysis for your situation.
• Visual debt score -- an animated thermometer shows your score from 0 (healthy) to 100 (critical), with color-coded severity ranges.
• Debt growth projection -- see how much your debt could increase in 12 months if nothing changes, with real Brazilian market interest rates.
• 3-step action plan -- receive practical guidance in the right order to start resolving your situation today.
• Complete negotiation guide -- ready-made scripts to call the bank, step-by-step instructions to clear your name, and tips from those who have already gotten out of debt.
• Financial control without complications -- no spreadsheets or complex apps. Here you understand your situation in minutes

Who is this app for?

If you have debt on your credit card, overdraft, personal loan, vehicle or mortgage financing, the Debt Thermometer was made for you. There are more than 70 million indebted Brazilians, and the difference between those who get out of debt and those who sink is information.

It doesn't matter if your debt is R$ 500 or R$ 500,000. The financial diagnosis identifies the specific risks of your profile and delivers an action plan that makes sense for your case.

Privacy first

Unlike apps that ask for access to your bank account or CPF (Brazilian tax ID), the Debt Thermometer does not collect any personal data. Your answers are saved locally on your device and are never sent to any server. You can retake the diagnosis as many times as you want.

How it works

1. Open the app and tap "Start diagnosis"
2. Answer 10 questions about your financial situation
3. Receive your debt score with projections and an action plan
4. Unlock the complete negotiation guide by watching a short video

Download the Debt Thermometer now and take the first step to regain control of your finances. Knowing where you are is the beginning of getting where you want to be.