🎉 The Biggest DebtZero Update Yet!
We listened to your feedback and built 9 major features in a single release. From one-tap EMI recording and referral rewards to milestone tracking and a completely redesigned dashboard — this update makes managing your debts faster, smarter, and more rewarding than ever.
📝 Record EMI Payments — Right From the Dashboard
Managing debt is all about consistency. That's why we added a brand-new "Record EMI" quick action directly on the dashboard. No more navigating through multiple screens — just tap, pick the debt, and record your payment in seconds.
🧾 Late Fine Tracking
Missed a due date? The new Record Payment dialog now includes a Late Fine field so you can log the exact penalty amount charged by your lender. This keeps your records accurate and gives you a clear picture of the real cost of late payments.
- One-tap access — Record EMI button right on the dashboard
- Smart debt picker — Bottom sheet shows all your active debts
- Late fine field — Optional field with info tooltip explaining its purpose
- Automatic sync — Payment instantly reflects in your debt balance and progress
🎁 Refer & Earn — Share the Love, Get Rewarded
Now you can invite friends and family to DebtZero and both of you earn ₹50 in your in-app wallet! It's our way of saying thank you for helping more people take control of their finances.
₹50 for You + ₹50 for Your Friend
Share your unique referral code. When your friend signs up and enters it, both wallets get credited instantly.
💳 In-App Wallet & UPI Withdrawals
Your referral earnings go straight into your in-app wallet. When you're ready, request a withdrawal directly to your UPI ID. It's seamless, transparent, and hassle-free.
🏆 Debt-Free Progress — Track Every Milestone
Paying off debt is a marathon, not a sprint. That's why we completely rebuilt the Debt-Free Progress screen to celebrate every step of your journey with visual milestones.
🎯 Your Milestone Journey
Each milestone unlocked shows the date you achieved it and a motivational message to keep you going.
We also fixed the progress calculation to use your first debt snapshot as the baseline, so your progress percentage always reflects how far you've come since the very beginning. No more confusing resets!
⚡ Redesigned Dashboard — 9 Quick Actions at Your Fingertips
The home screen got a major facelift. We crammed 9 essential actions into a clean, compact grid so everything you need is one tap away:
Clean 4-column grid layout that fits perfectly on any screen size
🎯 What Changed?
- Compact grid: 4 columns instead of the old 2-row layout — everything visible at a glance
- New actions: Record EMI, Wallet, and Referral added for instant access
- Shorter labels: Single-line labels that never wrap or overflow
- AI Coach fixed: One tap now opens the AI Chat instantly — no more crashes or broken navigation
🤖 Smarter AI Coach — Now Actually Works Everywhere
We squashed several bugs that were preventing the AI Coach from working properly:
Chat Fixed
AI responses now display correctly instead of showing error messages. The chat is faster and more reliable.
Launch Anywhere
Open AI Coach from the dashboard, Help & Support, or Investment screen — all paths now work perfectly.
Better Advice
Improved response handling means you get complete, well-formatted financial advice every time.
❓ Refreshed FAQs & Help Centre
We rewrote the entire FAQ section from scratch with 9 brand-new questions that actually reflect how the app works today:
📋 New FAQ Topics
- What is DebtZero and how does it help?
- How to add and manage debts
- How the AI Coach works
- Subscription & billing via Google Play
- Refund policy
- Data security & encryption
- How Debt-Free Progress tracking works
- Refer & Earn program details
- How to contact support
✨ Polished Subscription Experience
We cleaned up the entire subscription flow to be clearer and more professional:
- No more "Free Trial" language: If you're subscribed, you see "Premium Active" and "Next billing in X days"
- Google Play integration: Server-side receipt verification ensures your subscription status is always accurate
- New welcome email: A beautifully designed onboarding email with 6 feature cards and a 3-step getting started guide
📧 Beautiful Welcome Email
Every new user now receives a professional, branded welcome email highlighting all 6 core features: Manage Debts, AI Coach, Income & Expenses, Goals & Investments, Debt-Free Progress, and Refer & Earn — complete with a clear "Get Started in 3 Steps" section.
📋 Updated Legal Pages & Contact Info
We updated the Terms & Conditions and Privacy Policy with our current support email: sales@xigmapro.com. All legal documents now reflect the correct contact information.
📈 Full Changelog at a Glance
| Feature | What's New |
|---|---|
| 📝 Record EMI | One-tap payment recording with late fine tracking |
| 🎁 Refer & Earn | ₹50 dual rewards + in-app wallet + UPI withdrawals |
| 🏆 Milestones | Debt-Free Progress with 10% / 25% / 50% / 75% / 100% milestones |
| ⚡ Dashboard | Redesigned 4-column grid with 9 quick actions |
| 🤖 AI Coach | Fixed chat responses, navigation from all screens |
| ❓ FAQs | 9 new relevant questions replacing outdated content |
| 💎 Subscription | Clean "Premium Active" UI + server-side verification |
| 📧 Welcome Email | Professional onboarding email with feature cards |
🚀 Update Now & Start Earning!
All these features are live in the latest version of DebtZero on Google Play. Update your app, explore the new dashboard, and don't forget to share your referral code with friends to start earning!
Your Debt-Free Journey Just Got Better
Record payments, earn referral rewards, track milestones, and let the AI Coach guide you — all in one app.
💬 Feedback? We'd Love to Hear From You
Have thoughts on the new features or suggestions for what we should build next? Drop us a message — your feedback shapes future updates.
Get in Touch →