DEBTOFF · PERSONAL DEBT MANAGEMENT
Overview
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YOUR CURRENT POSITION
Know the number. Change the direction.
Track what you owe, what rotation costs, and whether the balance is actually falling.
Total outstanding₹0Add your first debt to get started
ROTATION REALITY CHECK
Fees paid ₹0 · Debt actually reduced —
Record month-end snapshots and rotation events to see whether your debt is shrinking.
Alerts
Due dates, card utilisation, income pressure and balances that need a check.
Where your debt sits
Select a category to manage its accounts.
No debts recorded yet.
Upcoming payments
Add statement due dates and loan EMI dates.
No due dates entered yet.
Debt over time
Month-end snapshots are saved when you record a month close.
No snapshots yet. Record a month-end snapshot to start the trend.
Planning tool, not financial advice. Check large decisions (consolidation, settlement or refinancing) with a qualified advisor.
Your debt accounts
Enter cards, loans and personal borrowings separately. Balances are never fabricated.
No debts yet. Add your first account.
Expenses
Capture daily spending quickly. Expenses are stored privately in your DebtOff database.
Quick expense entry
Amount, category and save — add a note only if needed.
Spending by category
This month
No expenses yet.
Expense history
Your newest entries appear first. You can remove an incorrect entry.
Rotation tracker
A rotation pays a bill, but it does not make the underlying debt disappear.
Rotation fee calculator
Compare gateway fee plus GST with one month of card interest.
Calculation appears here.
This month's rotation
Fees include GST recorded at the time of rotation.
Total moved₹0
Fees + GST₹0
Average fee0%
Rotation history
Every rotation has a date, card, gateway and fee record.
Debt-closing plan
Compare strategies with the balances, rates and payments you entered.
Add debts and your monthly capacity, then run the comparison.
What if I pay more?
Slide to see how extra money each month changes your debt-free date and interest.
This month, pay this
A planning checklist only; it does not initiate bank payments.
Run a plan to build your checklist.
Planning tool, not financial advice. Rates, lender rules and charges must be verified against your statements and loan agreements.
Reports & backup
Export a copy of your own records or print a monthly summary.
Backup your data
Exports include records from your signed-in account only. Keep backups private.
Account & data
This action permanently deletes your records from the app's tables.
Recent payments
Recorded payments are not inferred from card bill transfers.