Your money overview

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Debt overview

This month's cash flow

Income used by expenses—

Recent transactions

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

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.

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.

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.