Track EMIs, calculate your debt-free date, and plan your financial freedom — all on your device, privately.
EMI tracker · Debt-free date · FIRE calculator · Emergency fund planner · Financial health score. Built for Indians who want clarity on their money.
Start now — takes less than 2 minutes
Private • No bank login • Your data stays on your device
Android app · No signup required · Works offline
Clean, calm screens that show you exactly where your money stands — no jargon, no noise.
Built for salaried Indians who want clarity on where their money goes and when they'll be debt-free.
See precisely when every loan ends. Compare avalanche vs snowball strategies and find out how much interest you'll save.
Track income and expenses in one flow. Know exactly how much is left after EMIs and bills — every single month.
Every loan, every due date, every payoff milestone — organised in a single dashboard. Never lose track again.
Calculate the corpus you need to retire or become debt-free. See your monthly progress and know how close you are.
Get push reminders 3 days before every due date — automatically set from your loan data. No manual setup needed.
See exactly how a new EMI dents your surplus and pushes back your freedom date — before you commit to anything.
Your data lives on your phone. Full functionality offline, every time. Sync to cloud when you choose — or never.
No bank login. No credentials shared. No data sold to lenders or advertisers. What's yours stays yours, always.
Get a plain-language snapshot of your debt ratio, savings rate, and exactly what to fix first to improve your position.
No bank login. No setup complexity. Just open the app and start.
Enter your monthly salary and regular expenses. DebtZen immediately shows your monthly surplus — the money you actually have left.
Add each loan — home, car, personal. See all EMIs in one place, get reminders before due dates, and watch your debt shrink.
DebtZen calculates your exact debt-free date and shows you how to get there faster — saving you interest along the way.
Clean cards. Clear numbers. No noise. DebtZen shows you what matters and keeps everything else out of the way.
This is exactly what the app shows until you sign in — your data, your device, your control.
We built DebtZen the way we'd want an app to handle our own financial data. Here's exactly what happens to yours.
All your financial data is saved on your device. The app works fully offline. No server required to see your numbers.
Sign in with your phone number to back up data securely using Google Firebase (region: asia-south1 — Mumbai, India). Restore anytime you reinstall. Your choice.
AES-256 encryption at rest. TLS in transit. Firestore rules ensure only your account can ever read your data.
Your income, loans, and expenses are never sold, shared with lenders, or used for advertising. Never. Not ever.
DebtZen never asks for your bank credentials, UPI PIN, or card details. You enter numbers. That's it.
Settings → Delete Account. Your data is removed from device and cloud servers within 30 days. No questions asked.
💡 The free version may show minimal ads to support the app. We never sell your data to advertisers — ever.
Free to download. No bank login. No sign-up required to explore.
Android only — iOS coming soon.
No bank login · No data selling · Works offline
Scan the QR code with your phone's camera to install instantly — no typing needed.
Coming SoonUse our free calculators to plan your finances — then track everything in the app.
Enter your loans, EMIs, and interest rates. Get your exact debt-free date using avalanche or snowball strategy — for free, instantly.
Try calculator →Calculate exactly how much corpus you need to retire early or achieve financial independence. Based on your monthly expenses and India-specific returns.
Calculate FIRE number →Find out exactly how much emergency fund you need based on your EMIs, monthly expenses, and number of dependents. The 6-month rule, personalised.
Calculate your buffer →If your EMIs exceed 50% of your income, you're in the danger zone. Here's a step-by-step rescue plan built for salaried Indians.
Read the guide →Banks and NBFCs cannot harass you. RBI has strict rules on how recovery agents can contact you. Know your rights under the 2026 guidelines.
Read the guide →Questions, feedback, or a data request? Reach us anytime.
We respond within 30 days to all requests
Mannargudi, Tamil Nadu, India