DebtZero
10+
Downloads
Everyone
info
About this app
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
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
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted
App support
About the developer
Xigmapro Software Pvt Ltd
sales@xigmapro.com
275, Indira Gandhi Road, Konnagar
Hooghly, West Bengal 712235
India
+91 89024 96474
