All your debts. One clear dashboard.

A single view of all your debts with the key metrics that matter: total balance, debt-to-income ratio, weighted average rate, health score, payoff timeline, and payoff order. It converts a list of debts into an actionable financial snapshot.

At minimum: total balance, each debt's balance/rate/minimum, monthly payment budget, DTI ratio, weighted average rate, and projected payoff date. Track these monthly — the trend matters more than any single snapshot.

Below 20% is excellent. 20–36% is healthy. 36–43% is acceptable but near lender limits. Above 43% is stretched. Above 50% is high risk. Aim to keep your DTI below 36%.

The score combines DTI ratio (biggest weight), weighted average rate, interest-to-debt ratio, payoff timeline, and number of debts. Higher scores mean lower burden and cheaper debt. It's directional — track the trend rather than obsessing over the exact number.

Above 75 is healthy. 50–75 needs attention. Below 50 signals serious strain. The most important thing is direction — a score rising over time means your plan is working, even if the absolute number is still modest.

Your blended cost of debt across all loans. Each debt's rate is weighted by its share of your total balance. It's the single best measure of how expensive your overall debt is — lowering it is often the fastest way to save money.

You can, but a mortgage typically has a much lower rate and much longer tenure than consumer debt. Many people track consumer debt separately for a clearer picture, then monitor the mortgage on its own. Both approaches work.

Monthly at minimum. Update balances, rates (if variable), and income. A dashboard updated monthly reveals trends; one updated annually hides problems. Recalculate after any major change — new debt, payoff, or raise.

It's your starting point and your scoreboard. Every other metric is relative to it. If total debt is falling every month, you're making progress — regardless of how slow it feels. If it's flat or rising, your payment is too low.

Avalanche (highest rate first) saves the most money. Snowball (smallest balance first) gives the fastest wins. The dashboard shows both the highest-rate and largest-balance debts so you can see what each strategy would target.

A rising total or flat timeline means your payment is too low. Find more money — cut subscriptions, reduce dining, sell unused items, or take on side work. Also consider refinancing high-rate debt to reduce the interest burden.

Yes — the dashboard tracks both your minimums and your total budget. The gap between them is your "extra payment" capacity, which is what actually accelerates payoff. The larger the gap, the faster you're free.

No — it complements it. A budget plans your income and expenses; a debt dashboard focuses on your obligations. Use both: the budget tells you what you can pay, the dashboard tells you where to send it and how much progress you're making.

As a one-time drop in total balance after the windfall is applied. Adding a windfall to the target debt can pull the payoff date forward by months. Update the balance after applying it to see the effect.

No. Closing cards reduces your available credit and raises your utilization ratio, which can lower your credit score. Keep them open with zero balance. The dashboard will show them with ₹0 balance — that's fine and reflects a healthier profile.

Use the current rate and update when it changes. If rates are rising, prioritize variable-rate debt since its cost may increase. The dashboard assumes a fixed rate for each debt in its simulation — update monthly to stay accurate.

A DTI above 43% means most new loans will be declined and you're financially stretched. Focus on two things: reduce minimums (refinance or consolidate) and increase income. Both lower your DTI quickly. Avoid taking on new debt until DTI is under 36%.

If your weighted average rate exceeds expected investment returns, pay debt first — it's a guaranteed return. Always contribute enough to get your employer retirement match (instant 50–100% return). For rates under 8%, investing may win.

If two debts have the same rate or balance, pick either — the order barely matters. Focus on the ones with the biggest impact on your weighted rate or total balance. The dashboard ranks them automatically by your chosen strategy.

Yes. The dashboard works with any number of debts — one or many. For a single debt, the strategy doesn't matter; it just shows your timeline, interest, and progress toward payoff.

If consolidation lowers your average rate, it reduces interest and simplifies payments. But it doesn't reduce debt — you must avoid running up the cards again. The dashboard's weighted rate shows what you'd save by consolidating to a lower rate.

Track three monthly: (1) total debt balance (should fall), (2) health score (should rise), (3) debt-free date (should move earlier). Recalculate with this dashboard each month — seeing the timeline shrink is the clearest progress signal.

Indirectly. Inflation erodes the real value of fixed-rate debt — your future payments are worth less. This mildly favors not rushing to prepay low-rate fixed debt. But high-rate debt far outpaces inflation, so it stays the priority.

Share the dashboard at a monthly family finance meeting. Review the total, the trend, and the debt-free date together. Shared visibility and shared goals dramatically improve follow-through. Celebrate each milestone.

Yes, and you should. Set automatic payments for minimums on all debts, plus an automatic transfer for the extra amount to your target debt. Automation removes willpower from the equation and ensures consistency.

Don't panic — just resume the next month. One missed extra payment barely affects the long-term timeline. Keep minimums covered to protect your credit, then continue. Consistency over years matters far more than perfection every month.

No. Everything runs in your browser. Nothing is uploaded, tracked, or stored. If you want to keep a record, download the PDF or take a screenshot. Your financial data stays on your device.