Solutions for every debt type
Whether it's credit card debt spiraling with interest, EMIs stacking up, or informal loans you're trying to track, DebtFlow gives you clarity and a path forward.
Credit cards charge 24-48% APR. Paying minimums means you pay 3-4x the original amount. Most people don't realize how much interest they're actually paying every single month.
How DebtFlow helps
Shows your exact monthly interest cost for each card, down to the rupee
Reveals the total cost if you only keep paying minimums. The number that shocks everyone
Prioritizes your highest-rate cards first with the avalanche method, so every extra rupee goes where it matters most
Rahul has 3 credit cards totaling ₹2,40,000 in outstanding balances. If he keeps paying just the minimums, he'll end up paying ₹6,80,000 over the years. Nearly 3x what he owes today.
With DebtFlow
With DebtFlow's avalanche plan: ₹3,90,000 total. Saved: ₹2,90,000
Based on Rahul's actual debt profile
Easy EMIs on everything: phones, appliances, vacations. Each one seems small, but 5-7 EMIs quietly consume 40-60% of your salary. You don't feel the weight until it's too late.
How DebtFlow helps
Shows all your EMIs in one consolidated view. No more checking 5 different apps
Calculates the true total cost of each EMI including interest, not just the monthly number
Shows which EMI to accelerate paying off first to free up cash the fastest
Priya has 5 EMIs totaling ₹18,000/month: a phone, laptop, a vacation loan, a personal loan, and BNPL for furniture. She didn't realize she's paying ₹3,200/month in interest alone. That's ₹38,400/year going nowhere.
With DebtFlow
₹3,200/month in hidden interest, now visible and actionable
Based on Priya's actual debt profile
Small purchases add up. ₹2,000 here, ₹5,000 there. It doesn't feel like debt until you miss a payment and the late fees and interest kick in. By then, the total is bigger than you thought.
How DebtFlow helps
Track all BNPL obligations across every app in one place
See the true cost when interest and late fees apply. No more surprises
Get a payoff order that minimizes total damage to your wallet
Buy Now Pay Later makes spending invisible
Add your debts in 5 minutes. See the full picture instantly.
Get started freeNo interest, but no structure either. Easy to lose track. The guilt compounds even if the interest doesn't. And forgetting about it doesn't make it go away. It damages relationships.
How DebtFlow helps
Track informal debts alongside your formal ones. See your complete picture
Your total debt number includes everything, not just what banks see
Plan repayment with zero-interest correctly accounted for, so it doesn't get deprioritized unfairly
Most debt apps ignore informal borrowings. DebtFlow doesn't. Because your real debt number includes every rupee you owe, not just the ones with interest.
Money from family and friends is still debt
Add your debts in 5 minutes. See the full picture instantly.
Get started freeMultiple debts across banks, apps, and people. Different due dates. Different interest rates. You've lost track of the real number. So you avoid thinking about it, and the interest keeps growing.
How DebtFlow helps
One place for everything: credit cards, EMIs, BNPL, informal loans, all of it
Takes 5 minutes to add all your debts. That's it. Five minutes for full clarity.
Instant clarity on your total outstanding + interest cost + exact payoff timeline
That knot in your stomach about debt? It's worse when you don't know the number. Knowing is the first step. DebtFlow makes that step easy.
You don't know what you owe. That's the scariest part.
Add your debts in 5 minutes. See the full picture instantly.
Get started freeThe better way
You could build a spreadsheet. Or you could use something that actually works.
Five minutes to add your debts. Instant clarity on what you really owe. A specific date when you'll be free. Start today.