Product
Most calculators show you the balance. DebtFlow shows you the real cost: every rupee of interest you'll pay, and the fastest way to stop paying it.
Features
See your total outstanding balance and total interest cost as one honest number. No hiding, no sugar-coating.
Mathematically optimal payoff order that targets the highest interest rate first. Saves you maximum interest.
An exact schedule showing which debt to attack each month and how much to pay. No guesswork.
See exactly how much of each payment goes to interest vs principal. Know where your money actually goes.
A specific month and year when you will owe nothing. Not an estimate. A date you can count down to.
Integer arithmetic with no floating-point rounding. Every paisa is counted. Your numbers are always exact.
Supported Debts
From credit cards to that loan from your cousin. DebtFlow handles them all with the right interest calculation for each.
Revolving
24-48% APR
Reducing Balance
12-24% APR
Reducing Balance
7-12% APR
Reducing Balance
8-15% APR
Reducing Balance
8-10% APR
Varies
Varies
Zero Interest
0% APR
Custom
You configure
Interest Types
Not all interest is the same. Understanding the difference can save you lakhs. Here is what happens to a 1,00,000 rupee loan under each type.
Interest on your outstanding balance, every month. Miss a payment and it compounds on itself.
₹1,00,000 @ 42% = 3,500/mo interest
Interest decreases as you pay down the principal. Early payments are mostly interest, later ones are mostly principal.
₹1,00,000 @ 15% = 1,250/mo interest (decreasing)
Interest is charged on the ORIGINAL amount for the entire loan period. Even as you pay it down, the interest stays the same. Worse than it sounds.
₹1,00,000 @ 12% = 1,000/mo interest (never decreases)
No interest charged. Just the amount you borrowed. DebtFlow still tracks it so nothing falls through the cracks.
₹1,00,000 @ 0% = 0/mo interest
The Strategy
The mathematically optimal way to pay off debt. Same total payments, less interest paid, fewer months in debt.
Keep all your debts current. No late fees, no penalties, no credit score damage.
That credit card at 42%? Every spare rupee goes there first. This is where you save the most.
The payment you were making on the first debt now adds to the second. Your payoff accelerates.
Each debt falls faster than the last. The avalanche builds momentum. You have a date when it ends.
A typical Indian with 3 debts totalling 8 lakhs can save over 1.5 lakhs in interest and become debt-free 14 months sooner using the Avalanche method vs paying minimums. DebtFlow calculates your exact numbers.
Privacy
We built DebtFlow for people who are already anxious about money. The last thing you need is to worry about your data too.
You enter your numbers manually. We never ask for bank credentials or UPI access.
Row-level security means only you can see your debts. Not even our team can access them.
We will never sell, share, or monetise your financial information. Period.
DebtFlow is a calculator, not a credit product. Using it has zero effect on your CIBIL score.
Join the waitlist. When DebtFlow launches, you will be the first to know exactly what you owe and when you will be free of it.
Free to start. No credit card required. No bank linking.