Launching Soon

Get out of debt,
faster and smarter

Track every loan in one place. Know exactly how much interest you're wasting — and the fastest, cheapest path out. Built for India.

▶ Google Play — coming soon

Your loan data stays on your phone · How we protect it →

Android first · iOS to follow · Free core features

See all your debt at a glance

Free · 12 Features

Everything you need. Free.

No subscription needed for the core features that actually matter.

Add & Manage Every Loan

Home, car, personal, education, and credit loans. When your bank changes the rate, tell us whether the EMI or tenure stayed the same and we recalculate instantly.

Debt Dashboard

Total debt remaining, month-over-month progress, % repaid, assets vs liabilities, and net worth — all on one screen.

Upcoming Payments & Reminders

Track overdue, due-soon, and scheduled EMIs. Mark an EMI paid to update balances immediately. Push reminders arrive 2 days before and on the due date.

Foreclosure Checker

See your lock-in period and pre-closure charges. Know exactly when you can foreclose without calling your bank.

Balance Transfer Analyzer

Enter a competitor lender's rate and see whether switching actually saves money after processing fees and closure costs.

EMI Calculator

Calculate monthly EMI, interest, and total repayment. Don't know your rate? Pick a bank to check the lowest average rates for your loan type.

Loan Details & Amortization

Principal paid, interest paid, balance left, and a transparent history of every bank interest rate change.

Pre-Closure Savings

Pick a month and year to instantly see your remaining balance, foreclosure charges, interest saved, and net in-pocket savings.

Net Worth Tracker

Track property, mutual funds, savings, vehicles, and gold. Watch your real net worth expand as your debt shrinks.

Bank Offers & Savings

Clearly labelled offers that show how much interest a lower rate for your loan category could save you over time.

Refer & Earn

Invite friends: they get Smart free for 30 days. When 3 friends join and add a loan, you unlock Smart permanently for free.

Backup, Restore & App Lock

Export a backup file and restore it anytime. Protect the app with biometric fingerprint or Face Unlock.

✦ Smart · ₹499 one-time

Plan your way out of debt.

Pay once, keep it forever. Everything stays on your phone. Or get Smart free by inviting 3 friends.

Payoff Planner (Avalanche / Snowball)

Compare mathematical optimization (Avalanche) vs quick wins (Snowball). Roll over finished EMIs to see your exact debt-free date and interest saved.

What-If Simulator

Test prepayments, step-up EMIs, rate hikes, and balance transfers on any loan, then save multiple scenarios to compare side-by-side.

Part-Payment Calendar

Map planned bonus or lump-sum prepayments on an annual timeline. Toggle between reducing tenure or lowering monthly EMI before you pay.

Debt Consolidation Evaluator

Evaluate merging multiple scattered loans into a single top-up or personal loan. Discover whether a lower EMI actually costs more in total interest.

Plan vs Actual Tracker

Lock in your target payoff strategy and check each month whether you are ahead or behind your projected debt-free milestone.

Repayment Milestones

Advance from Bronze to Platinum (Debt-free) as you repay debt. Earn badges for streaks, first prepayments, and crossing the 50% paid mark.

Free

₹0

forever, core features

Smart

₹499

one-time, or free with 3 friends

Pro

Coming soon

cloud sync, web access and AI

Compare plans →

Pro · Coming Later

What's next with Pro

Cloud-connected tools on our roadmap. Not available yet.

PRO

AI Debt Advisor

Ask personalized questions — "Should I prepay my home loan or invest in mutual funds?" — calculated against your exact portfolio.

PRO

Cloud Sync & Web Access

Seamlessly access and update your loans from any laptop, desktop browser, or secondary phone.

PRO

Rate-Match Alerts

Receive alerts when cheaper rates become available across Indian banks, with a one-click drafted negotiation letter for your lender.

PRO

Shared Debt Spaces

Co-manage joint home or auto loans with a spouse or co-borrower to track unified household liabilities.

PRO

Natural Language Inquiries

Ask plain questions like "When will I be debt-free if I add ₹5,000 every month?" and receive instant mathematical breakdowns.

PRO

People TurnixDebt was built for.

If any of these sound familiar, you're in the right place.

Home Loan Holders

Juggling a 20-year EMI and wondering if closing it early ever makes sense. TurnixDebt does the math for you.

Multiple EMI Payers

Car loan + personal loan + credit card dues — track everything in one place instead of five different bank apps.

Education Loan Graduates

Just started earning and want to pay off your education loan as fast as possible. See exactly how much extra payment saves you.

Salary Earners Building Wealth

Tracking net worth while paying down debt. Want visibility into whether your assets are growing faster than your liabilities.

Getting started

Up and running in minutes

No manual data entry from bank statements. Just the key numbers.

1
Sign in with Google
Secure sign-in with your Google account. Your data is never sold.
2
Add your loans
Enter your loan name, lender, principal, interest rate, and tenure. Takes about 60 seconds per loan.
3
See your complete debt picture
Your dashboard instantly shows total debt, monthly EMIs due, and your wealth breakdown.
4
Make smarter decisions
Use the foreclosure checker, savings calculator and balance transfer analyzer — or upgrade to Smart for the Payoff Planner and What-If Simulator — to save lakhs in interest.

Your data

Your loans stay on your phone.

Free and Smart keep your loan, payment and asset data on your device. Only Pro stores it in the cloud, and only when you choose to use it.

Free & Smart

On your phone only

Loans, payments, assets, plans and scenarios are stored on your device. Export a backup file any time.