DebtZen: Expense & EMI Tracker

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.