Debt Control Centre

Debt overview

This month's cash flow

Income used by expenses—

Recent transactions

Credit card register

Loans & other borrowing

Rotation and gateway charges ledger

Record every rotation separately with actual fees, date, cardholder and card.

EMI schedule

Payments, overdue and due dates

Income & expenses

Monthly budget categories

Debt payoff calculator

Estimate a payoff timeline using a fixed monthly payment across debts. This is a simplified estimate, not financial advice.

Total debt balance (₹)

Average annual interest (%)

Monthly payment (₹)

Suggested payoff approach

1. Protect essentials

Keep housing, food, utilities and required minimum payments covered first.

2. Avoid new revolving debt

Pause discretionary spending on cards where possible; contact lenders early if an EMI may be missed.

3. Choose a target

Avalanche: highest interest first. Snowball: smallest balance first. Keep minimums paid on other debts.

4. Update weekly

Record actual balances, interest, due dates and cash available before making extra payments.

Build your payoff strategy

Choose a proven repayment order using your recorded balances, interest rates, overdue amounts and minimum/EMI commitments.

Repayment method

Extra amount available monthly (₹)

Only enter money left after essentials and required payments. Do not commit money you cannot reliably afford.

Safer payoff sequence

1. Protect essentials

Housing, food, utilities and essential business costs first.

2. Address arrears

Contact lenders early about overdue accounts or restructuring.

3. Keep required payments current

Cover contractual minimums and agreed EMIs where possible.

4. Focus extra cash

Target one debt at a time and avoid adding new revolving debt.

Recommended payoff order

Enter your extra monthly amount and tap “Build my plan”.

How to use this plan

Avalanche usually reduces interest cost when rates are accurate; snowball can help motivation by closing smaller balances sooner. Actual payoff timing depends on lender charges, interest calculations, minimum-payment rules and new transactions. This is a planning aid, not a guarantee.

Backup & restore

Download a JSON backup before clearing browser data or changing devices. Import replaces the current app data.

Storage status

This app uses browser local storage only. Clearing site data, using private browsing, or switching browsers/devices may erase or hide your records. No cloud backup is created.

About this version

Standalone app, no login, no server API, no analytics. Keep financial data on a trusted device and protect the device with a screen lock.

Sample records are fictional and are only for demonstrating the interface. Delete or replace them with your real figures after exporting a backup if needed.