Affordability
That 2,000 monthly payment? 1,695 goes to interest. Only 305 actually reduces your debt. DebtFlow shows you where your money really goes.
The math most people miss
When banks say "just 2,000 per month," they don't mention that most of that payment goes straight to interest. Here's what your payments actually look like.
Outstanding
₹45,200
Interest Rate
45% APR
At this rate, it takes 11+ years to pay off
Outstanding
₹1,20,000
Interest Rate
15% APR
At this rate, it takes 3.5 years to pay off
The credit card payment is 85% interest. For every 2,000 you pay, only 305 goes toward reducing what you owe. The personal loan is better at 38% interest, but you're still losing 1,500 per month.
Full visibility
Stop guessing where your money goes. DebtFlow breaks down every rupee across every debt you have.
See exactly how much of each payment goes to interest and how much actually reduces what you owe. For most credit cards, the split will surprise you.
Add up the interest from every debt. That total is money leaving your pocket every month with zero return. DebtFlow makes that number impossible to ignore.
That 45,200 credit card balance? If you pay minimums, you will end up paying over 1.2 lakhs total. The lifetime cost is the number that changes behavior.
Even 500 extra per month can shave years off your debt. DebtFlow shows you exactly how much time and money you save with any extra amount.
Before taking a new EMI, you need to know what your current debt is actually costing you. Not the monthly number. The real cost, including all the interest you're paying every month across every debt.
If 40-60% of your salary already goes to debt payments, a new EMI is not affordable. Period. No matter how small the monthly number looks.
Banks approve loans based on their risk models, not your wellbeing. An approved loan does not mean an affordable loan.
DebtFlow shows your debt-to-income reality: total payments, total interest, and what percentage of your income is going to debt. The number you need before making any financial decision.
36% of income goes to debt. Adding another EMI would push this into the danger zone. Of the 18,000 monthly payments, approximately 5,200 is pure interest.
Is this you?
"I'm paying EMIs but my balance barely moves"
Because most of your EMI is going to interest, not principal. DebtFlow shows you the exact split so you can see why the balance stays stubbornly high.
"I want to know where my money is actually going"
Every month, thousands of rupees leave your account. DebtFlow breaks down exactly how much goes to interest, principal, and which debts cost you the most.
"I'm thinking about taking another loan and want to know if I can handle it"
Before adding another EMI, you need to know what your current debts really cost. If 40-60% of your income already goes to debt payments, another EMI will push you into trouble.
Five minutes to add your debts. Instant breakdown of interest vs principal for every payment. The clarity you need to make better financial decisions.