Compound interest is silently multiplying your debt 3–4×. See the true total and get a date when you'll be debt-free.
Your Debt Truth
₹18,43,200
total with interest included
Minimums only
Mar 2034
₹8,50,000 in interest
Avalanche method
Aug 2029
Save ₹5,20,000
5 years earlier. ₹5.2 lakhs saved. Same monthly budget.
The problem
3–4×
what you think vs. what you owe
Credit cards charge 36–48% annually, compounding monthly. A ₹50,000 balance becomes ₹1.5 lakhs before you notice.
11+ years
to pay off a credit card at minimums
Banks set minimums at 2-5% of your balance. You end up paying more in interest than you ever borrowed.
0%
of bank statements show your debt-free date
You get schedules for individual loans but nobody shows the full picture across all debts with a single end date.
How it works
Credit cards, personal loans, BNPL, informal borrowings. Plain language, no jargon. About 5 minutes.
Your real total with compound interest calculated to the paise. The number banks never show you.
The avalanche method: mathematically the fastest way to be debt-free. A specific date, a specific order.
Built for you
4
Interest types
Revolving, reducing balance, flat rate, and zero
8
Debt categories
Credit cards to informal borrowings
Avalanche
Optimal strategy
Pays the least total interest, guaranteed
Paise
level accuracy
Integer arithmetic, no rounding errors
Every type of debt
Credit Cards
Revolving at 36–48% APR
Personal Loans
Reducing balance from banks
Gold Loans
Pledged gold, monthly interest
Vehicle Loans
Car & bike reducing balance
Home Loans
Long-term mortgages
BNPL
Slice, Simpl, etc.
Informal
Family, friends, colleagues
Other
Education, business, custom
Coming soon
Track your debts, check your progress, and stay on plan wherever you are. Native apps for iOS and Android are on the way.
Coming soon on
App Store
Coming soon on
Google Play
Join the waitlist to get notified when the apps launch.
Join indians who are done with denial and ready for a real plan.