Plans & Pricing
Free to start. Pay once for Smart.
Transparent, honest pricing built for India. Core features are free forever. Smart is a single ₹499 one-time payment with no recurring subscription, or free if 3 friends join.
Available
Free
Everything you need to track loans, calculate interest, and stay organized.
₹0
Free forever · No credit card required
- All 12 core tracking & calculation tools
- Debt dashboard, EMI reminders & Net Worth view
- Foreclosure checker & balance transfer analyzer
- 3 loan document scans (for the life of your account)
- Your loan data stays on your phone
⚡ Most Popular · One-Time
Available
Smart
Accelerate your payoff. Find the fastest, cheapest path to becoming debt-free.
₹499
One-time payment · Keep forever · No subscription
Or unlock for FREE by inviting 3 friends
- Everything in Free, plus all advanced payoff engines
- Payoff Planner (Avalanche & Snowball strategies)
- What-If Simulator for prepayments & step-up EMIs
- Part-Payment Calendar & Plan vs Actual tracking
- Debt Consolidation Evaluator & Milestones
- 20 loan document scans (lifetime)
On the roadmap
Pro
Sync across web & mobile with AI-powered debt advisory.
₹99/mo
or ₹999/yr · Launching soon · Price indicative
- Everything in Smart
- Cloud Sync & Web Access (browser dashboard)
- AI Debt Advisor & plain-English queries
- Rate-Match Alerts & draft bank negotiation emails
- Shared Debt Spaces for couples & joint borrowers
- 15 loan document scans refreshed every month
Decision Guide
Which option is right for you?
Select your current situation to see the most cost-effective match for your goals.
Free Forever
The Essential Tracker
1 to 2 Loans
You want a clean overview, timely EMI push reminders, and quick interest calculations without paying anything.
Best match:Free
- Track all your loans & view amortization schedules
- Timely EMI reminders 2 days prior and on due date
- Foreclosure and balance-transfer math
- Your loan data stays on your phone, with biometric lock
Recommended · ₹499 Once
The Debt Eliminator
Multiple Loans & Eager to Finish Early
You juggle multiple EMIs and want to save lakhs in interest by finding the fastest mathematical route to becoming debt-free.
Best match:Smart
- Avalanche & Snowball Payoff Planner with rolling EMIs
- What-If Simulator for lump sums & step-up payments
- Part-Payment Calendar for annual bonus planning
- Plan vs Actual milestone tracking
- Or get it free by inviting 3 friends
Coming Soon
The Multi-Device Household
Web + AI + Partner Collaboration
You prefer managing finances on desktop monitors, co-managing joint loans with your spouse, and getting AI suggestions.
Best match:Pro
- Real-time cloud sync across browser and phone
- AI Debt Advisor for personalized payoff answers
- Shared household debt spaces for couples
- Automated rate-drop alerts & negotiation letters
Deep Dive
Full feature comparison
Review every capability side by side. Free and Smart keep your loan data on your phone.
| Capability | Free ₹0 | Best Value Smart ₹499 once | Pro Roadmap |
|---|---|---|---|
| Privacy & Storage | |||
Where your loan data is storedFree and Smart keep your loan, payment and asset records on your phone. Only reminder details and sign-in info are stored in the cloud. | On your phone only | On your phone only | Secure cloud, all devices |
Backup, restore and biometric app lockExport a backup file anytime, or lock the app with fingerprint or face unlock. | |||
| Loan Tracking & Organization | |||
Add & manage unlimited loans (Home, Car, Personal, etc.) | |||
Debt dashboard & full amortization scheduleDetailed breakdown of principal vs interest left, plus rate-change history. | |||
Upcoming EMI payments & push remindersPush alerts 2 days before and on the due date so you avoid penalties. | |||
Net worth tracker (Assets vs Liabilities) | |||
Refer & Earn (Invite 3 friends to get Smart free) | |||
| Calculators & Instant Savings | |||
EMI calculator with lowest bank benchmark rates | |||
Foreclosure checker & pre-closure savings calculatorKnow your exact lock-in period and interest saved if you foreclose early. | |||
Balance transfer analyzer (true ROI after switching fees)Shows whether switching to a lower rate actually saves money after penalties. | |||
| Smart Payoff Engine (Strategies & Simulators) | |||
Payoff Planner (Avalanche vs Snowball with rolled EMIs)The mathematical algorithm that cuts years off your debt by rolling paid-off EMIs. | — | ||
What-If Simulator (Prepayments, Step-up EMIs, rate hikes)Simulate lump-sum bonus prepayments or annual 5-10% EMI increases. | — | ||
Part-Payment Calendar (Annual bonus mapping) | — | ||
Debt Consolidation EvaluatorTest whether merging multiple small loans into one top-up saves interest. | — | ||
Plan vs Actual milestone tracker & achievement badges | — | ||
| Document Scanning | |||
Loan document scans (sanction letters, statements) | 3 for life | 20 for life | 15 per month |
| Next-Gen Cloud & AI (Roadmap) | |||
Cloud Sync & Web Access (browser dashboard) | — | — | Coming later |
AI Debt Advisor & natural language questions | — | — | Coming later |
Rate-Match Alerts & lender negotiation draft generator | — | — | Coming later |
Shared Debt Spaces (joint partner / household loans) | — | — | Coming later |