🇮🇳 Built for India · AI-Powered

Your debts,
found automatically.
Your freedom, planned by AI.

Enter your PAN and DebtFree pulls every loan you owe straight from your credit report or manual entry. Then our AI advisor builds your personal payoff plan.

⚡ Start Free — No Card Needed See How PAN Import Works
Bank-grade AA security
Unlimited loans, forever free
Powered by Claude AI
🪪 PAN Auto-Import
Live Demo
🔍
Enter PAN to fetch loans
Scanning AA records…
🏠
Home Loan — HDFC Bank
240 months remaining
₹42.0L8.5% p.a.
🚗
Car Loan — ICICI Bank
36 months remaining
₹3.2L10.5% p.a.
👤
Personal Loan — Bajaj Finance
18 months remaining
₹0.85L14.5% p.a.
Total Debt Found
₹46.05L
42
Freedom
Score
10K+
Active Users
₹42Cr+
Debt Tracked
₹2.4L
Avg. Saved per User
4.8★
App Rating
Everything in one place

Six tools that replace
a finance spreadsheet, a calculator,
and a financial advisor

Designed specifically for Indians juggling multiple EMIs across banks, NBFCs, and credit cards.

🪪

PAN Auto-Import

Securely fetch every active loan from your credit report via the RBI Account Aggregator framework. No typing required.

New · All Plans
🤖

AI Debt Advisor

Chat with an AI that knows your exact numbers — ask "which loan should I pay first?" and get a real, personalised answer.

Powered by Claude
❄️

Snowball & Avalanche

Two proven payoff strategies, calculated automatically. See exactly which order saves you the most money.

🔔

EMI Reminders

Push notifications 7, 3, and 1 day before every due date. Never pay a late fee again.

🧮

EMI Calculator

Simulate prepayments instantly. See exactly how much time and interest ₹5,000 extra a month saves you.

🏁

Settlement Planner

Know your exact debt-free date — and see how it moves closer with every extra payment you make.

From PAN number to
full debt picture in under 30 seconds

Most loan trackers ask you to type in every detail. DebtFree asks once — your PAN — then does the rest.

STEP 01

Enter your PAN

One-time, RBI-regulated consent via the Account Aggregator framework. Your data is encrypted and never stored by third parties.

STEP 02

We fetch every loan

Home, car, personal, gold, credit cards — across every bank and NBFC linked to your PAN — pulled in real time.

🏦
🏛️
💳
STEP 03

Get your Freedom Score

Instantly see your total debt, future interest, and an AI-generated plan to become debt-free faster.

42
Fair — Room to improveDebt Freedom Score out of 100
🤖 AI Debt Advisor

The financial advisor
that actually knows
your numbers

Most AI chatbots give generic advice. DebtFree's advisor reads your real loan portfolio — rates, balances, tenures — and answers like it's looking at your actual statements. Because it is.

💬
Ask anything, anytime"Should I prepay my car loan or my personal loan?" — get a real answer with real numbers.
📋
AI Debt Health ReportA full breakdown of strengths, risks, and your top 3 priority actions — generated monthly on Pro.
🇮🇳
Indian context built inSection 24 tax benefits, RBI repo rate impact, balance transfer advice — tailored to Indian banking.
🤖
AI Debt Advisor Powered by Claude
Online
Which loan should I pay off first?
Your Personal Loan at 14.5% is costing you ₹1,024/month in pure interest — the most of all three. Clear this first.
What if I add ₹5,000 extra per month?
You'd close it in 11 months instead of 18, saving ₹8,200 in interest. Then redirect that ₹12,300 EMI to your car loan — total debt-free 14 months sooner.
Simple, honest pricing

Start free.
Upgrade when it pays for itself.

No hidden fees. Cancel anytime. 7-day refund on all paid plans.

Monthly
Yearly Save 33%
Free
₹0
Forever free
✓ Unlimited loan tracking
✓ Manual entry
✓ Snowball & Avalanche planner
✓ EMI calculator
✓ 10 AI advisor messages / month
— AI Debt Health Report
— Priority EMI reminders
Start for Free
⚡ Most Popular
Pro
₹149
per month
✓ Everything in Free, plus:
✓ PAN auto-import
✓ 100 AI advisor messages / month
✓ Monthly AI Debt Health Report
✓ Settlement planner with debt-free date
✓ Priority EMI push reminders
✓ Auto-sync PAN data weekly
✓ Priority email support
Upgrade to Pro
Lifetime
₹1,999
One-time payment
✓ Everything in Pro, plus:
✓ PAN auto-import
✓ 300 AI advisor messages / month
✓ Advanced AI model (Claude Sonnet)
✓ All future features included
✓ No renewals, ever
✓ Founding member badge
✓ Direct line to our team
Get Lifetime Access
Real people, real results

Join thousands becoming
debt-free, faster

★★★★★

"I didn't even know I had ₹3.2L in future interest on my personal loan until the PAN import showed it. The AI plan helped me cut ₹80K of that with just ₹3K extra a month."

RK
Rajesh Kumar
Software Engineer, Bengaluru
★★★★★

"The PAN auto-import found a credit card EMI I'd completely forgotten about. Within 5 minutes I had my entire debt picture — something I'd been avoiding for months."

PS
Priya Sharma
Teacher, Pune
★★★★★

"Asked the AI advisor 'what if I get a ₹2L bonus' — it gave me three different scenarios with exact numbers. Felt like talking to an actual CA, not a chatbot."

AV
Arjun Verma
Business Owner, Ahmedabad
Questions, answered

Frequently asked questions

Is PAN auto-import safe and legal?
+
Yes. We use the RBI-regulated Account Aggregator (AA) framework — the same system banks use to share data with your consent. You approve every data request, and we never store your PAN or raw bureau data on our servers beyond what's needed to display your loans.
Can I still add loans manually?
+
Absolutely. PAN import is optional and works alongside manual entry. Add, edit, or remove any loan at any time — and there's no limit on the number of loans, even on the Free plan.
What exactly does the AI Debt Advisor see?
+
The AI sees a summary of your loan portfolio — names, balances, interest rates, EMIs, and tenures — to give personalised advice. It never sees your name, phone number, email, or PAN. Conversations are not used to train AI models.
What happens if I cancel my Pro subscription?
+
You keep Pro features until the end of your billing period, then automatically move to the Free plan — your loan data and history are never deleted. You can resubscribe anytime.
Is DebtFree a substitute for a financial advisor?
+
No. DebtFree is a planning and tracking tool. The AI Advisor provides informational guidance, not regulated financial advice. For major decisions — large prepayments, refinancing, investments — we recommend consulting a certified financial planner.
Which banks and lenders are supported?
+
PAN import covers all major banks (SBI, HDFC, ICICI, Axis, Kotak, and more) and NBFCs (Bajaj Finance, Tata Capital, etc.) registered with the Account Aggregator network — covering 95%+ of retail loans in India.

Stop guessing.
Start your debt-free plan today.

Free forever for unlimited loans. Upgrade only when you want more from AI.

⚡ Get Started Free 🪪 Try PAN Import Demo