DebtZero

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India’s #1 Debt-Free App – DebtZero

DebtZero helps you clear all your loans, EMIs, BNPL, and credit card debt faster with powerful tools like AI debt coach, EMI optimizer, spend blocker, SMS-based EMI detection, income & expense tracking, investment tracking, and goal planning.
Your full 30-day free trial unlocks everything—no ads, no limits.

🔥 Top Features
1️⃣ Debt Snowball & Avalanche Calculator

Add all your loans and get a personalized repayment plan:

Credit cards

Personal loans

BNPL (Zest, Lazypay, Slice)

Bike/Car loans

Home loans

Education loans

Microfinance loans

See your Debt-Free Date, monthly plan, interest savings, and progress.

2️⃣ EMI Optimizer for India

Reduce your EMI burden instantly:

Best loan to prepay first

Interest saved calculator

Bank switching suggestions

Avoid hidden fees & penalties

Auto EMI reminder system

3️⃣ Automatic EMI Detection via SMS

No need to enter everything manually.
DebtZero reads financial SMS (with permission) to auto-detect:

Upcoming EMIs

Minimum dues

Loan disbursements

Credit card bills

Late fee alerts

You confirm before data is saved—private and secure.

Your personal money coach is available 24/7.

5️⃣ Spend Blocker – Stop Impulse Buying

Stay in control with:

24-hour cooling-off lock

Daily savings summary

“No-Spend Challenge” mode

Save more, avoid emotional buying, and stay debt-free.

6️⃣ Track Income, Expenses & Cash Flow

A complete money manager inside your debt app:

Monthly income tracking

Daily expense tracking

Auto categories

Smart budgets

Cash flow summary

Understand where your money actually goes.

7️⃣ Track Investments Easily

Manage all your assets in one place:

Mutual funds

SIPs

Stocks

FD/RD

Gold


Get a clear net worth snapshot.

8️⃣ Smart Goals & Savings Planner

Set personalised financial goals like:

Debt-free in 12 months

Save for emergency fund

Buy a bike/car

House down payment

Wedding / Travel / Education goals

DebtZero tells you how much to save monthly.

9️⃣ 30-Day FULL ACCESS Free Trial

Enjoy everything with no restrictions:

Unlimited debts

Unlimited SMS auto-detection

Unlimited AI queries

Unlimited expense tracking

All premium features

After 30 days, continue with a paid plan.

⭐ Why Indians Love DebtZero

Reduces EMI pressure

Saves interest

Stops overspending

Tracks all money in one app

Keeps finances stress-free

Helps you become debt-free faster

Secure, private, and built for India