The Smartest Way to
Become Debt-Free
Instantly Understand your loans. Reduce your interest rates. Lower your EMIs.
About Debto
Your AI Partner for a Debt-Free Future
Debto's AI analyzes your existing loans, shows you exactly where you're overpaying, and helps you reduce your interest rates and EMIs — with personalized repayment plans and balance transfer options that can save you lakhs in interest.
Pricing
Simple, transparent pricing. Debto is a premium debt optimization platform.
debto Freedom
Everything you need to become debt-free, faster.
- Full AI debt analysis report (PDF)
- CIBIL auto-fetch
- Avalanche / Snowball / Hybrid comparison
- Extra payment simulator
- Balance transfer calculator
- Personalised debt-free roadmap
Expert Advice
For complex debt situations
- Everything in AI Analysis
- Dedicated 1-on-1 session with a debt advisor
- We negotiate directly with the bank
- Hassle Free - We handle the whole process
What You Get
Everything you need to take control of your debt. AI-powered tools for smarter debt decisions
AI Debt Analysis Report
Our core differentiator. Combines deterministic financial calculations with AI-generated narrative insights to give you a personalized, easy-to-understand report.
- Instant debt-free timeline & total interest projections
- Repayment strategy comparison (Avalanche / Snowball / Hybrid)
- Interactive scenarios — what if I pay extra ₹3,000/month?
- Plain-English narrative report you can download as PDF
CIBIL Auto-Fetch
Submit PAN + Aadhaar, give consent, get your full CIBIL report in under 60 seconds — no manual entry.
Repayment Strategy Engine
Avalanche vs Snowball comparison with priority order per loan and projected interest savings.
Extra Payment Simulator
Adjustable slider from ₹1,000 to ₹50,000 — see new debt-free date and interest saved instantly.
Balance Transfer Assistance
Compare partner-bank rates, factor in processing fees and foreclosure charges, see real savings.
How It Works
From sign-up to a debt-free plan in minutes
Quick Registration
Sign up in seconds with mobile or Google one-tap. Just share your phone and email (optional) to get started.
Collate Loan Information
Update loan information for all types of loans — Credit Cards, Personal, Home, Auto, Education, and more.
AI Analysis & Plan
Get your personalised debt-free roadmap with timelines, repayment strategies, and interactive calculators to model scenarios.
Hassle-Free Balance Transfer
Simple, seamless, and fully managed. We handle everything end to end.
What Our Users Say
Real stories from people who took control of their debt
"Debto helped me see exactly which loan to clear first. The avalanche-strategy report alone saved me ₹1.4 lakh in interest, and the AI explanations made it simple enough that I could finally take action."
"I had four EMIs going at once and no idea where to start. The 60-second analysis showed me an extra ₹3,000/month would close everything 14 months faster. Game-changer."
"The balance-transfer calculator paid for itself instantly — moved my personal loan from 16% to 11.5% and Debto walked me through every fee. Honest, clear, no upsell pressure."
Frequently Asked Questions
Everything you wanted to know — clearly answered
Debto is a premium debt optimization platform designed to help you better understand your loans, reduce interest costs, and lower your EMIs. Plans start at ₹995 and include personalized debt analysis, savings insights, repayment optimization strategies, and actionable recommendations tailored to your financial profile. Additional premium services such as 1-on-1 expert consultations, bank negotiation assistance, and partner-led solutions may be available based on your selected plan. No hidden charges. Full transparency.
Begin your journey to be debt-free, today.
Discover faster ways to reduce your EMIs. Find savings hidden inside your loans. AI-powered tools for smarter debt decisions
Ready to take control of your debt?
Your debt-free date is closer than you think. Find out now. Built for Indians who are done overpaying on loans.
Have questions first?
Our team is happy to walk you through how Debto works, answer questions about CIBIL, data privacy, or which strategy fits your situation.