Step 4 · Protect It
Debt Checker
Second: the debt check. Should you invest, or clear your loan first? Simple rule: expensive debt (credit cards, most personal loans) gets cleared first — paying off a 30% loan is a guaranteed 30% return, and no investment promises that.
Low-cost family loans or committee commitments? You can usually build alongside them. Our calculator gives you your exact answer and payoff schedule.
Your debts
Pay them off in this order
Add a debt above to see your payoff order.
Method: pay the minimum on every debt, then put every spare rupee on the one ranked #1 until it's gone. Roll that amount onto #2, and so on, the snowball clears faster as you go.
Add a debt to unlock your download.
Educational tool, not financial advice. Always keep a small emergency cushion even while repaying debt.