Tools
Calculators that don't flatter you
Every number is an honest band with its assumptions shown. No phone number required, no lead bait.
Debt Health Score
Income, EMIs and card dues → a 0–100 health score, your EMI-to-income ratio and the route that fits (budgeting, consolidation or settlement).
Open debt health score →Settlement Savings
Outstanding, months in default and monthly capacity → indicative waiver band, settlement range, savings, and how long building the corpus will take.
Open settlement savings →Credit Score Estimator
Seven questions about your repayments, card use and history → an estimated score band, what's pulling it down, and how to get your real report free.
Open credit score estimator →Minimum-Due Trap
Your card balance and interest rate → how many years and how much interest it takes if you only pay the minimum due — versus a fixed payment or a settlement.
Open minimum-due trap →Debt Payoff Planner
List your debts and a monthly budget → your debt-free date, total interest, and which loan to attack first under each method.
Open debt payoff planner →CIBIL Recovery Timeline
The honest curve of post-settlement score recovery across three behaviour scenarios — including what happens if you do nothing.
Open cibil recovery timeline →