DEBTOFF · PERSONAL DEBT MANAGEMENT
Overview
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YOUR CURRENT POSITION
Know the number. Change the direction.
Track what you owe, what rotation costs, and whether the balance is actually falling.
Debt-free target—Set your plan to see the date
Total outstanding₹0
Add your first debt to get startedROTATION REALITY CHECK
Fees paid ₹0 · Debt actually reduced —
Record month-end snapshots and rotation events to see whether your debt is shrinking.
0%
Record payments to see progressGet started in 3 steps
New here?
- Open Debt-free plan and enter your monthly income.
- Tap + Add debt and add each credit card, loan and borrowing once.
- Every month, tap Update bills to enter that month’s card bills in one go.
Card bills
Alerts
Due dates, card utilisation, income pressure and balances that need a check.
Where your debt sits
Select a category to manage its accounts.
No debts recorded yet.
Upcoming payments
Add statement due dates and loan EMI dates.
No due dates entered yet.
Debt over time
Month-end snapshots are saved when you record a month close.
No snapshots yet. Record a month-end snapshot to start the trend.
Planning tool, not financial advice. Check large decisions (consolidation, settlement or refinancing) with a qualified advisor.
Your debt accounts
Enter cards, loans and personal borrowings separately. Balances are never fabricated.
No debts yet. Add your first account.
Expenses
Capture daily spending quickly. Expenses are stored privately in your DebtOff database.
Add an expense in 5 seconds
Amount, category, how you paid, and an optional note.
This link needs you to be signed in on the phone.
Open it with a double tap on iPhone
- Open the Shortcuts app, tap ＋, add the action Open URLs and paste the link above. Name it “Quick Expense”.
- Go to Settings → Accessibility → Touch → Back Tap → Double Tap and choose “Quick Expense”.
- Use the no-login link so it opens straight to entry without signing in. It can only add expenses; it cannot show your data.
You can prefill it: add &cat=Food&pay=upi&amt=50¬e=Tea to the link for a one-tap “Tea ₹50 by UPI” shortcut. Anyone with the no-login link can add expenses to your account, so keep it on your own phone. You can turn it off any time.
Spending by category
This month
No expenses yet.
Paid by
This month
Expense history
Newest first.
Rotation tracker
A rotation pays a bill, but it does not make the underlying debt disappear.
Rotation fee calculator
Compare gateway fee plus GST with one month of card interest.
Calculation appears here.
This month’s vendor charges
Fees include GST recorded at the time of rotation.
Total moved₹0
Fees + GST₹0
Average fee0%
Vendor charges every month
What you paid outside vendors each month, fees plus GST. Tap a month to see it above.
Rotation history
Every rotation has a date, card, gateway and fee record.
HOW DEBTOFF WORKS
One number to pay. One target to attack. One date you will be debt-free.
Everything the app does, what to do on each page, and the routine that gets you out of debt. Read the coloured boxes first: they are the main points.
Green = do thisAmber = watch outRed = fix firstBlue = how it works
01 · WHAT IT SOLVES
Six problems, six answers
“I don’t know what I owe”Every debt in one listCards, loans and borrowings with balance, rate, due date and EMIs.
“I miss due dates”Repayments shows every dueOverdue, this week, this month, plus reminders in your phone calendar.
“I pay but nothing changes”Interest-only debts are flaggedOverview shows whether your debt actually fell this month.
“Which debt first?”The plan picks a proven methodAnd tells you exactly how much to pay each debt this month.
“Rotation eats my money”Every vendor charge, every monthSee the real yearly cost and taper it to zero.
“The total stresses me”Total hidden until you tap ShowThe app leads with your debt-free date and what you have cleared.
02 · FIRST-TIME SETUP
Do these 7 once, about 15 minutes
1Add every debt. My debts → + Add debt. Each card, loan and person you borrowed from.
2Set a monthly repayment for each person you owe. Blank means interest only, and that debt never closes.
3Enter your monthly numbers. Debt-free plan → income, essentials, extra for debt, emergency cash.
4Add rotation vendors if you rotate cards. Rotation tracker → Manage gateways.
5Set an MPIN. Reports & backup → App lock.
6Home-screen icon + no-login link. See Phone setup below.
7Record the month-end snapshot on the last day of the month. It starts your progress chart.
03 · PAGE BY PAGE
Overview tells you how you are doing. The plan tells you what to do.
OverviewDebt-free date, this month’s goal, left to spend, cleared %, debt change, costliest debt, buffer, alerts.
Debt-free planYour stage, the right method and why, what to pay each debt this month, expert action cards.
My debtsAdd, edit or close debts. Update a card bill. Manage EMI plans on a card.
RepaymentsWhat is overdue and due soon. Tap Pay to record. Undo a wrong one.
ExpensesAdd in 5 seconds. Filter by period, category, method. Your own categories. CSV export.
Rotation trackerReal vendor charge per rotation, every month’s charges, repeat last month in one tap.
Reports & backupMonthly backup, CSV, printable report, calendar reminders, MPIN.
My profileName, nickname, phone, password. The + button adds an expense from any page.
04 · YOUR ROUTINE
2 minutes a day, 5 a week, 15 at month end
EVERY SPEND · 5 SECDouble-tap the phone back or tap +. Amount, category, how you paid.
EVERY PAYMENT · 30 SECRepayments → Pay, or plan → Record. This moves your ring.
SALARY DAY · 2 MINEMIs and minimums first, then the extra to your target, before you spend.
SUNDAY · 5 MINLog missed expenses. Is left to spend positive and debt change green?
STATEMENT DAY · 1 MINOverview → Update bills. Enter each card’s new bill.
MONTH END · 15 MINSnapshot, update emergency cash, read the Do now cards, download a backup.
A GOOD MONTHDebt goal bar full · Debt change this month green · Cleared ring moved forward.
05 · HOW THE PLAN DECIDES
Afford it, make it safe, then attack one debt at a time
STAGE 1 · CLOSE THE GAPMinimums cost more than you can payCall lenders for tenure extension or restructuring before you miss a payment. Never borrow or rotate to fill the gap.
STAGE 2 · STABILISESomething would undo your progressAn interest-only debt, under half your emergency buffer, or rotation still running. Fix these first.
STAGE 3 · PAY IT DOWNMinimums on all, extra on one targetWhen a debt closes, its payment rolls into the next, so each debt clears faster.
AvalancheHighest interest first. Chosen when rates differ by 6% a year or more. Saves the most money.
SnowballSmallest balance first. Chosen for 4+ debts with similar rates. Faster closed accounts.
Quick win, then avalancheClear one small debt in about 2 months first, only when it costs little extra interest.
HABITS THE PLAN ALWAYS ASKS FOR
Automate due dates 2 to 3 days earlyWindfalls 50 / 30 / 20: debt, buffer, youNo new debt while paying down1 free credit report a year from each bureauKeep cleared cards open at zero balance30% of extra to savings until half the buffer is built
06 · PHONE SETUP
Open it from the home-screen icon, not a browser tab
Add to home screenSafari → open DebtOff → sign in → Share → Add to Home Screen. Open only from that icon.
Stays signed inUntil you tap Sign out. On weak network it says “Reconnecting” instead of logging you out.
RefreshPull down at the top. It also refreshes when you come back after a minute. Tap the green “New version ready” bar when it appears.
Double-tap quick expenseExpenses → Make a no-login link. Shortcuts → Open URLs → paste. Settings → Accessibility → Touch → Back Tap → Double Tap.
YOU WILL BE ASKED TO SIGN IN AGAIN ONLY IFYou open it inside WhatsApp or Instagram, in a private tab or another browser, clear website data, or tap “Forgot MPIN”. Safari tabs may forget you after about 7 days unused; the home-screen icon does not.
07 · PRIVACY AND FIXES
Your data stays yours
Each account reads only its own data. No bank login, card number or password is ever entered in DebtOff. The no-login link can only add expenses.
Yellow “Database update” boxCopy SQL → Open SQL Editor → paste → Run → Done, check again. Only in the project the box names.
“Partly loaded” or “Load failed”Check internet, pull down to refresh. Still there? Tap Copy details and send them.
“Not saved”Tap Retry. Offline expenses wait on the phone and sync when you are back online.
A number looks wrongEdit the debt against your latest statement. Undo a wrong payment under Repayments.
Planning guidance based on common debt-counselling practice, not personal financial advice.
Debt-free plan
Built from the debts you entered. It tells you where you stand, which proven method fits, what to pay this month, and what to fix first.
Your monthly numbers
Recommended method
Proven payoff methods run on your real balances and rates.
Pay this month
Minimums on everything first, extra money to one target. Record each payment after you pay it in your bank app.
Expert action plan
What an experienced debt counsellor would tell you to do, based on your debts. Most important first.
What if I pay more?
Slide to see how extra money each month changes your debt-free date and interest.
Planning guidance based on common debt-counselling practice, not personal financial advice. Check rates, charges and lender rules against your statements and loan agreements before acting.
Repayments
Every payment due, record what you paid, and never miss a date.
Dues and reminders
Most urgent first. Tap Pay to record a payment.
Payment history
Everything you recorded. Undo puts the balance back.
My profile
Your details and security on this device.
?
Your name
Change password
App lock (MPIN)
You stay signed in. The MPIN only locks the screen on this device. Forgot it? Choose “Forgot MPIN” on the lock screen and sign in again.
This device
Add DebtOff to your Home Screen for full-screen use and so your login is kept.
Reports & backup
Export a copy of your own records or print a monthly summary.
Backup your data
Exports include records from your signed-in account only. Keep backups private.
Account & data
This action permanently deletes your records from the app's tables.
Recent payments
Recorded payments are not inferred from card bill transfers.