🇮🇳 Built for India · ₹99/month Pro

Kill Your Debt
Before It
Kills Your Dreams

Track every EMI, use the proven debt snowball method, get payday reminders, and see exactly when you'll be completely debt-free.

⚡ Start Free Today ↓ See How It Works
10K+
Active Users
₹42Cr
Debt Tracked
2.4L
Avg. Interest Saved
4.8★
App Rating
DebtFree
+ Add Loan
Outstanding
₹46.2L
Monthly EMI
₹75.5K
3 loans
Home Loan – HDFC
8.5% · ₹38,450/mo · 240 months left
Car Loan – ICICI
10.5% · ₹24,800/mo · 36 months left
How it works

Simple steps to
debt freedom

No spreadsheets, no confusion. Add your loans once and we'll guide you every step of the way.

1
Add your loans
Enter principal, rate, tenure. We auto-calculate your EMI and create your payment schedule instantly.
2
Get reminders
Never miss an EMI. Get push notifications 7, 3, and 1 day before each due date.
3
Use the snowball
Follow our debt payoff order — smallest balance or highest rate first — and watch debt fall one by one.
4
Become debt-free
Watch your Freedom Score rise to 100%. Know the exact month you make your last ever EMI payment.
Features

Everything you need
in one place

Designed specifically for Indians managing multiple EMIs across banks and loan types.

📊
EMI Dashboard
See all your loans, outstanding balances, interest rates, and future interest payable at a glance.
❄️
Debt Snowball
Two proven strategies — Snowball (smallest first) or Avalanche (highest rate first). Pick yours, we handle the order.
🔔
Payday Reminders
Smart push notifications 1, 3, and 7 days before each EMI due date. Never pay a late fee again.
🧮
Interest Calculator
See exactly how much interest you'll save with prepayments. Even ₹2,000/month extra makes a massive difference.
🏁
Settlement Planner
Know your exact debt-free date. See personalized tips to close loans months — even years — ahead of schedule.
📈
Freedom Score
A single number (0–100) that shows how far you've come. Watch it climb every month as you pay off debt.
Debt Snowball

Pay small first, gain momentum

The snowball method is psychologically proven. Pay off your smallest loan first — the "win" motivates you to attack the next one with everything you've got. Roll that freed EMI into the next debt. Repeat until zero.

Personal Loan
₹85K
Car Loan
₹3.2L
Home Loan
₹42L

↑ Pay personal loan first → roll that ₹12,300 into car loan → demolish home loan

Pricing

Simple, honest pricing

Start free. Upgrade when you're ready to go all-in on your debt freedom journey.

Free
₹0
Forever free
  • Up to 2 loans
  • Basic EMI tracking
  • Interest calculator
  • Debt snowball view
  • Push notifications
  • Prepayment simulator
  • Settlement planner
  • EMI schedule
Start for Free
⚡ Most Popular
Pro
₹99
per month · ₹799/year (save 33%)
  • Unlimited loans
  • Full EMI tracking & schedule
  • Push notification reminders
  • Prepayment simulator
  • Settlement planner
  • Monthly trend analytics
  • Export reports to PDF
  • Priority support
Get Pro — ₹99/mo
Lifetime
₹1,999
one-time payment · forever access
  • Everything in Pro
  • All future features included
  • No subscription ever
  • Single device or family use
  • Dedicated support
Get Lifetime Access

🔒 Secure payments via Razorpay · 7-day money-back guarantee · Cancel anytime

Reviews

Real people, real results

From IT professionals in Bengaluru to teachers in Lucknow — DebtFree is helping India breathe easier.

★★★★★
"I had 4 loans and no idea where my salary was going. DebtFree showed me I was paying ₹3.8L in future interest that I could reduce. Already saved ₹45K by prepaying my personal loan first."
RK
Rajesh Kumar
Software Engineer, Bengaluru
★★★★★
"The payday reminders alone are worth it. I used to miss EMIs and pay late fees every few months. Not once in 8 months since I started using DebtFree."
PS
Priya Sharma
Teacher, Pune
★★★★★
"The snowball tracker changed everything for me. Paid off my personal loan in 14 months instead of 18. Rolled that ₹12K/month into my car loan. Freedom is real."
AM
Ankit Mishra
Business Owner, Delhi
Get started

Your debt-free date
is waiting for you

Add your loans in 2 minutes. Get your freedom score. Start your debt snowball today.

⚡ Start Free — No Card Required

Available on Android & iOS · Free plan forever

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