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.
Debt-free target—Set your plan to see the date
Total outstanding₹0
Add your first debt to get startedROTATION REALITY CHECK
Fees paid ₹0 · Debt actually reduced —
Record month-end snapshots and rotation events to see whether your debt is shrinking.
Get started in 3 steps
- Open Repayment plan and enter your monthly income.
- Tap + Add debt and add each credit card, loan and borrowing once.
- Every month, tap Update bills to enter that month’s card bills in one go.
Card bills
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.
Add an expense in 5 seconds
Amount, category, how you paid, and an optional note.
This link needs you to be signed in on the phone.
Open it with a double tap on iPhone
- Open the Shortcuts app, tap ＋, add the action Open URLs and paste the link above. Name it “Quick Expense”.
- Go to Settings → Accessibility → Touch → Back Tap → Double Tap and choose “Quick Expense”.
- Use the no-login link so it opens straight to entry without signing in. It can only add expenses; it cannot show your data.
You can prefill it: add &cat=Food&pay=upi&amt=50¬e=Tea to the link for a one-tap “Tea ₹50 by UPI” shortcut. Anyone with the no-login link can add expenses to your account, so keep it on your own phone. You can turn it off any time.
Spending by category
This month
No expenses yet.
Paid by
This month
Expense history
Newest first.
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 vendor charges
Fees include GST recorded at the time of rotation.
Total moved₹0
Fees + GST₹0
Average fee0%
Vendor charges every month
What you paid outside vendors each month, fees plus GST. Tap a month to see it above.
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.
Repayments
Every payment due, record what you paid, and never miss a date.
Dues and reminders
Most urgent first. Tap Pay to record a payment.
Payment history
Everything you recorded. Undo puts the balance back.
My profile
Your details and security on this device.
?
Your name
Change password
App lock (MPIN)
You stay signed in. The MPIN only locks the screen on this device. Forgot it? Choose “Forgot MPIN” on the lock screen and sign in again.
This device
Add DebtOff to your Home Screen for full-screen use and so your login is kept.
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.