debtpayoff
Month-by-month plan to become debt-free, with Indian card rules, EMIs, BNPL and balance transfers.
INR (lakh)
USD
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Plan settings
Budget increases
(e.g. salary hike)
+ Add increase
Lump sums
(e.g. bonus)
+ Add lump sum
Debts
+ Add debt
Plan
Schedule
What if
Transfer / consolidation
Credit utilization
Balance by debt
Monthly cash flow
(payments by debt)
Payoff timeline
Payment schedule
What if I add extra every month?
Step
Months to debt-free
Total interest, GST and fees
Evaluate an offer
Apply to
Utilization over time