Debt Control Centre

Your next step

You don’t have to solve everything today. Start with one action that improves your financial clarity.

Review your upcoming payments or record a repayment.

Monthly commitments

₹0

EMIs across cards and loans

Payments needing attention

₹0

Recorded overdue amounts

Monthly income

₹0

Income recorded this month

Cash flow

₹0

Income minus expenses

Overall debt balance

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Debt overview

This month's cash flow

Income used by expenses—

Recent transactions

Monthly credit-card statements

Record each statement once. Previous cycles remain in history; bill entries do not change the master card balance.

Statement history & payment progress

Latest bills first

Credit card register

Loans

Rotation and gateway charges ledger

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

EMI schedule

Payments, overdue and due dates

This month’s repayment plan

Based on your saved debt commitments

Income & expenses

Quick expense entry

Choose a category, enter the amount and save. These entries also appear in Cash Flow and Monthly Budget.

Expense history

Filter category

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.

Cloud data status

Financial records are saved to your private cloud account only. They are not persisted in browser storage. A network failure can prevent saving; confirm cloud sync before closing the app.

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.