Debt Management Calculator
Compare Snowball, Avalanche & Optimisation strategies. Find your fastest path to debt freedom.
Your Loans
1 loan
Loan Name
Outstanding (₹)
Rate (%)
EMI (₹)
Tenure (Mo)
Loan: Data is missing or 0.
⚡ Fill any 3 of the 4 loan fields — the remaining one auto-calculates after 0.5s
All loans are valid and will be included in the analysis.
₹
Used for Debt-to-Income ratio and risk score.
AUTO
₹
Net Income − total EMIs (₹1.20 L − ₹64,000).
TOTAL DEBT
₹0
Loans
MONTHLY OUTFLOW
₹0
Total EMI + Surplus
INTEREST SAVED
₹0
vs no prepayment
TIME SAVED
0y
faster debt-free
WITHOUT PREPAYMENT:
Total interest: ₹0 over 0y
baselines
Payoff Timeline
DTI Ratio
0%
--
Risk Level
LOW
Score: 0%
Total EMI / mo
₹0
Monthly commitment
Potential Savings
₹0
Interest saved (Avalanche)
Attack Priority & Payoff Timeline
| Loan Name | Outstanding | Rate | Snowball Priority | Avalanche Priority | Optimisation |
|---|
. Badge = surplus attack priority. Time below = when each loan is fully cleared.
Surplus Allocation, Where Does — ₹0/mo go?
| MONTH | TARGET LOAN | EXTRA PAID | EST. NEW BALANCE | NOTES |
|---|
Monthly Verification Detail
Recommended Strategy: Avalanche
We recommend Avalanche as it mathematically minimizes your total interest outflow.
Disclaimer : Results are estimates. Actual values may vary based on market conditions and other factors.