DebtZero Features - Smart Debt Management, EMI Optimizer & AI Money Coach

📊 Core Feature

Smart Debt Management

Stay fully organized with every EMI, loan, and credit card payment.

✓ Add all loans, EMIs, BNPL & credit card dues
✓ Track outstanding balance in real-time
✓ View debt-free timeline projection
✓ Automated due date reminders
✓ Comprehensive payment summaries
✓ Multiple debt categories support

Your Debts

Home Loan ₹25,45,000

Car Loan ₹4,20,000

Credit Card ₹85,000

⚡ AI-Powered

EMI Optimizer (India-Focused)

AI calculates which EMI to close first and save thousands in interest.

✓ Choose fastest debt clearance strategy
✓ Maximum interest saving calculations
✓ Payment priority engine
✓ Cash flow balancing
✓ Visual repayment path
✓ Priority order suggestions

Optimization Results

Pay Credit Card first

Save ₹1,24,500 in interest

🤖 AI Assistant

AI-Powered Money Coach

Your personal finance assistant to guide every decision.

✓ Personalized financial recommendations
✓ Custom debt clearance strategies
✓ Monthly budgeting suggestions
✓ Overspending warnings
✓ Goal-based financial advice
✓ Smart spending insights

💡 You can save ₹12,000 this month by reducing dining out expenses.

🎯 Focus on clearing your credit card debt first to save maximum interest.

💰 Income Management

Income Tracking

Track all your income sources in one place.

✓ Monthly salary tracking
✓ Business income/logs
✓ Variable income support
✓ Monthly/Yearly earnings graphs
✓ Multiple income source management

Total Income

₹75,000 This Month

💸 Expense Control

Expense Tracking

Understand where your money goes every month.

✓ Daily expense logging
✓ Category-based insights
✓ Monthly expense graphs
✓ Overspending alerts
✓ Custom categories
✓ Receipt attachments

Top Expenses

Food & Dining ₹8,500

Transportation ₹4,200

Shopping ₹6,800

📈 Wealth Building

Investment Tracking

Track SIPs, stocks, gold, crypto, FD/RD & more.

✓ SIP monitoring
✓ Stock portfolio tracking
✓ Gold investments
✓ Fixed Deposits & Recurring Deposits
✓ Crypto (optional)
✓ Net worth calculation

Net Worth

₹12,45,000 +15% this year

🎯 Goal Setting

Financial Goals

Save smarter with a personalized plan.

✓ House, car, travel, wedding goals
✓ Emergency fund planning
✓ Personalized monthly savings target
✓ Progress tracking with visuals
✓ Goal completion timeline

Your Goals

Emergency Fund

65% Complete

🛡️ Behavioral Finance

Spend Blocker

Avoid unnecessary purchases and build discipline.

✓ Helps reduce impulse purchases
✓ 24-hour wait timer
✓ Spend justification prompts
✓ Track savings from avoided purchases
✓ Build better spending habits

⏸️ Wait 24 Hours

Do you really need this ₹5,000 purchase?

Powerful Features for Complete Financial Control