DebtZen: Expense & EMI Tracker

DebtZen

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About this app

Track EMIs, debt, expenses, budgets and net worth in one clear money planner.

DebtZen is built for Indians who want a practical view of their finances without connecting bank accounts or granting SMS-reading access. Add your details manually, understand your monthly commitments and plan a clearer path to becoming debt-free.

TRACK LOANS AND EMIS
- Add home, personal, car, education and credit-card loans
- See outstanding balances, monthly EMIs and remaining timelines
- Check your debt-free date and monthly EMI burden
- Get EMI due-date reminders

PLAN REPAYMENT WITH CLARITY
- Test how an extra monthly payment may change your payoff timeline
- See estimated months and interest saved
- Learn practical debt repayment approaches
- Keep multiple loans organized in one dashboard

MANAGE YOUR COMPLETE MONEY PICTURE
- Record income and expenses
- Set monthly budgets by category
- Track assets, investments and liabilities
- Review net worth, goals and smart insights

PRIVACY-FIRST MANUAL TRACKING
- No bank login required
- No bank password required
- No SMS-reading permission
- Financial entries use encrypted local storage
- Signed-in cloud backup helps restore your data when needed

DebtZen supports tracking when your connection is unavailable. Some features, including sign-in, backup and reminders, require internet access.

DebtZen is a finance tracking and planning tool. It does not provide loans, banking services or financial advice.

Take control of your EMIs, debt and everyday money with DebtZen.

What’s new

- Improved notification reliability and delivery
- Fixed duplicate expense reminder notifications
- Improved Money Manager navigation flows