Debt Visibility
Most people carry 3-7 debts across different banks, apps, and lenders. They've never seen them all in one place. DebtFlow changes that.
The Problem
It's not that you're careless. The system is designed to keep your debts scattered and hard to track.
Each bank has its own login portal. You check one, forget another. The full picture never forms.
Small installments across Simpl, LazyPay, ZestMoney. Each one feels harmless. Together, they add up fast.
Money from family and friends. No app, no statement, no reminder. Easy to forget. Hard to ignore.
Your credit card bill shows minimum due, not total cost. It's designed to keep you comfortable, not informed.
Without DebtFlow
HDFC Credit Card
₹45,200
Simpl BNPL
₹8,500
Personal Loan
₹1,20,000
Friend's Loan
₹30,000
4 different apps. No total. No plan.
With DebtFlow
Total Outstanding
₹2,03,700
4 debts · ₹3,420/mo in interest · Debt-free by Mar 2028
One screen. Complete clarity.
Full Picture
Everything you need to understand your debt, on one dashboard.
One number. Every credit card, every EMI, every informal loan. Nothing left out.
See exactly how much interest each debt costs you every month. Sorted by impact.
Your most expensive debt might not be the largest one. DebtFlow shows you which one bleeds the most each month.
The number nobody wants to see, but everyone needs to. What you will pay in interest if nothing changes.
Every debt with its due date, interest rate, and type. Your full financial picture on one screen.
How It Works
Credit cards, EMIs, BNPL, informal loans. A guided form walks you through each one. No bank linking required.
One screen with everything: total outstanding, monthly interest cost, payoff timeline, and which debt to attack first.
Update balances as you make payments. Watch your total shrink. Know exactly where you stand at any moment.
Is This You?
“I have debts across 3-4 banks and I've lost track.”
You check one app, forget another. The total lives in your head as a vague, uncomfortable number.
“I don't know how much interest I'm actually paying.”
Your EMI feels fixed. But how much of it is interest? And across all debts? That number might surprise you.
“I want to see everything in one place without linking my bank.”
Privacy matters. DebtFlow never asks for bank credentials. You enter your numbers, you own your data.
Five minutes to add your debts. One screen to see everything. No bank linking, no credit check, no judgment.