Debt Optimization Calculator
Smart debt optimization calculator for India. Compare Avalanche, Snowball, AI Hybrid, and Consolidation strategies to pay off loans faster. Calculate DTI ratio, interest savings, and get personalized repayment plans.
Smart Document Upload
Auto-extract debt info from your documents
Click to upload
PDF, JPG, PNG
Your Financial Profile
Help us optimize your debt repayment
Your Debts
Add all your loans and credit cards
Credit Score Profile
Track your creditworthiness
Debt Summary
Overview of your current debt situation
Debt Distribution
Breakdown of debts by balance
Debt Repayment Strategies
Choose the best strategy for your situation
Optimized based on interest rate, balance size, and debt type
AI-Optimized Priority:
Your Action Plan This Month
Recommended steps to optimize your debt repayment
Set up auto-pay for all EMIs to avoid late payment charges
Keep credit card utilization below 30% to maintain a healthy credit score
You can afford ₹19K extra payment per month to become debt-free faster
Consider using part of your savings to prepay high-interest debts while maintaining an emergency fund
Frequently Asked Questions
Important Disclaimer
Calculations are estimates and not financial advice. Actual EMI may vary based on processing fees, prepayment charges, and other terms. Please consult with a financial advisor before making any loan decisions. All calculators use local currency (₹) with local numbering standards.