Debt Tracker

Total: 194 566 kr across 6 creditors · 10 648 kr/month in payments

re:member flex (21.09% APR) — 50K limit, 48K outstanding as of Apr 2026 statement. Min payment 1,442 kr. Minimum payment only since Feb 2025.
Sergel Kreditservice (25.00% APR) — In collections — harms credit score. Pay in full immediately.

Payoff Calculator — re:member flex

Payment (kr)

Payoff summary

Monthly payment

1 442 kr

Months to pay off

51(4y 3m)

Total interest cost

25 506 kr

Total repaid

73 542 kr

50K limit, 48K outstanding as of Apr 2026 statement. Min payment 1,442 kr. Minimum payment only since Feb 2025.

Payment scenarios — re:member flex

ScenarioPaymentTime to payoffTotal interest
Minimum1 442 kr/mo4y 3m25 506 kr
Minimum + 500 kr1 942 kr/mo2y 9m16 050 kr
Minimum + 1,000 kr2 442 kr/mo2y 1m13 014 kr
Minimum + 2,000 kr3 442 kr/mo1y 5m10 478 kr
Minimum + 5,000 kr6 442 kr/mo0y 9m9 942 kr

Avalanche (highest APR first)

Minimises total interest paid

  1. 1Sergel Kreditservice25.00%4 000 kr
  2. 2re:member flex21.09%48 036 kr
  3. 3Resurs Bank20.00%23 000 kr
  4. 4AMEX (closed)19.90%19 000 kr
  5. 5Klarna / Riverty15.00%4 000 kr
  6. 6Swedbank Loan11.00%96 530 kr

Snowball (lowest balance first)

Fastest psychological wins

  1. 1Sergel Kreditservice4 000 kr584 kr/mo
  2. 2Klarna / Riverty4 000 kr441 kr/mo
  3. 3AMEX (closed)19 000 kr1 400 kr/mo
  4. 4Resurs Bank23 000 kr1 727 kr/mo
  5. 5re:member flex48 036 kr1 442 kr/mo
  6. 6Swedbank Loan96 530 kr3 470 kr/mo