AI-powered debt, EMI, expense, income and investment tracking — all in one simple, powerful app.
Track all loans, EMIs, BNPL and credit cards in one place with automated reminders.
AI calculates which EMI to close first, saving you thousands in interest.
Priority-based insights with URGENT tags. Get exact rupee amounts to save, invest, and pay on debts.
Income, expenses, investments - manage your entire financial life.
Set financial goals and track progress with visual insights.
Reduce impulse purchases and build better spending habits.
The most advanced personal finance AI just got smarter with priority-based insights and exact rupee recommendations
Get URGENT and IMPORTANT tags for critical financial issues. No more guessing what to fix first!
No more generic advice! Get specific amounts to save, invest, and pay extra on debts.
Detailed expense breakdown showing where every rupee goes and how to optimize your budget.
Advanced Avalanche vs Snowball analysis, consolidation opportunities, and see exactly when you'll become a millionaire!
Join thousands of Indians taking control of their financial future.
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Managing multiple EMIs, credit card debts, personal loans, and Buy Now Pay Later (BNPL) payments can be overwhelming. DebtZero is India's first AI-powered debt management application designed specifically for the Indian financial ecosystem, helping you track, optimize, and eliminate debt faster than traditional methods.
The average Indian household manages 3-5 different types of debt simultaneously - from home loans and car loans to credit cards and personal loans. Without proper tracking and optimization, you could be paying thousands of rupees more in interest than necessary. DebtZero solves this by providing:
Unlike generic financial apps, DebtZero's AI Money Coach is trained specifically on Indian financial products, interest rates, and economic conditions. Get personalized advice on:
DebtZero isn't just a debt tracker - it's a comprehensive financial management platform that helps you:
Monitor salary, bonuses, freelance income, rental income, and investment returns in one place.
Categorize spending across 20+ categories to identify where your money goes each month.
Monitor mutual funds, stocks, fixed deposits, and PPF to calculate your true net worth.
Plan for major purchases, vacations, emergency funds, and retirement with goal-based tracking.
Our users report significant financial improvements within the first 3 months:
DebtZero understands the unique aspects of the Indian financial system:
Your financial data is extremely sensitive. DebtZero employs bank-grade security:
At just ₹200 per month (less than a coffee per week), DebtZero delivers premium AI-powered financial management. No ads, no data selling, no feature restrictions - just pure, professional-grade debt optimization. Users save an average of ₹2.5 lakhs in interest - the app pays for itself 1,250 times over!
Join 5,000+ Indians who are taking control of their financial future with DebtZero's AI-powered platform.
📱 Download for Android - ₹200/month🍎 iOS version coming soon | Premium subscription required
The most advanced personal finance AI just got smarter with priority-based insights and exact rupee recommendations
Get URGENT and IMPORTANT tags for critical financial issues
No more generic advice! Specific amounts to optimize your finances
Detailed expense breakdown with optimization tips
Advanced analysis, consolidation opportunities, and millionaire timeline calculations
Explore All New Features →DebtZero is specifically focused on debt elimination with AI-powered optimization. While other apps just track expenses, we actively help you become debt-free faster by recommending which EMIs to prioritize, identifying spending leaks, and providing personalized financial coaching.
Currently, DebtZero requires manual entry of transactions for maximum security and privacy. We're developing secure bank integration features that will be launched in Q2 2026 with your consent and complete control.
Savings depend on your debt portfolio, but our users typically save ₹2-5 lakhs in interest charges by following AI recommendations. Even small optimizations like paying ₹2,000 extra monthly on the right loan can save ₹50,000+ over the loan tenure.
Absolutely. We use AES-256 encryption (same as banks), never sell your data, and conduct regular security audits. Your privacy is our top priority, which is why we chose a premium subscription model instead of ad-based monetization.
Download DebtZero now and take control of your finances