Save up to 40% on interest payments

Your debt, intelligently optimised

Upload your CIBIL report or enter your loans manually. Our AI engine finds better lending options that reduce your monthly outflow and save interest.

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1,200+ Indians already saving on EMIs
Smart financial planning
Potential monthly savings
₹12,450
Debt-free in
3.2 yrs
₹2.4 Cr+
Interest Saved
1,200+
Reports Generated
30+
Lenders Compared
94%
Users Save Money

Smarter tools for your debt-free journey

We compare your rates against 30+ Indian lenders and show you exactly where you can save.

AI-powered debt analysis

AI-Powered Debt Analysis

Our engine analyses your complete loan portfolio — home loans, personal loans, credit cards, BNPL — and identifies exactly where you're overpaying.

Compare rates across HDFC, SBI, ICICI & 30+ lenders
Avalanche & Snowball repayment strategies
Extra payment impact simulator

Your Complete Financial Picture

See all your loans in one dashboard. Know your total debt, monthly EMI burden, and exactly when you'll be debt-free. Upload your CIBIL report or enter details manually.

Instant CIBIL report upload & parsing
Track 10 loan types across all major banks
Personalised debt-free timeline
Complete financial dashboard

Three steps to start saving

01

Register & Add Loans

Sign up with your mobile number. Upload your CIBIL report PDF or enter loan details manually — takes under 5 minutes.

02

Get AI Analysis

Our engine compares your interest rates against current market rates from 30+ banks and NBFCs.

03

Save on Your EMIs

Receive a personalised action plan. Connect with our experts who negotiate directly with banks to get you lower rates.

Using Debto on your phone

What our users say

“Debto showed me I was overpaying ₹8,400/month on my home loan. Refinanced through their recommendation and now saving ₹1 Lakh per year in interest.”

Rajesh Kumar
Rajesh Kumar
Hyderabad
₹1L/yr
saved

“I had 4 loans and 2 credit cards — no clue where my money was going. The dashboard gave me complete clarity. Paid off my credit cards first using the avalanche method.”

Priya Menon
Priya Menon
Mumbai
₹6,200/mo
saved

“The expert consultation was worth every rupee. They negotiated a 2% rate reduction on my personal loan directly with the bank.”

Arjun Nair
Arjun Nair
Bangalore
₹3,800/mo
saved

Ready to take control of your debt?

Join thousands of Indians saving lakhs in interest. Your free analysis takes less than 5 minutes.

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Financial freedom for your family

Built for Indian families

Managing home loans from SBI, personal loans from HDFC, credit card debt from Axis — we understand the complexity of Indian household finances. Debto supports all major banks and NBFCs.

SBIHDFC BankICICIAxis BankKotakBajaj FinservPNB25+ more

Frequently Asked Questions

Everything you need to know about Debto

Is Debto really free?
Yes. Our core debt analysis — adding your loans, getting AI-powered recommendations, and seeing where you can save — is completely free. We only charge for optional expert consultation services where our advisors personally negotiate with banks on your behalf.
How does Debto make money if the analysis is free?
We earn through premium expert consultation packages and referral commissions from partner banks when you successfully refinance through our recommendations. Your free analysis is never compromised — we recommend what saves you the most, not what earns us the most.
Is my financial data safe?
Absolutely. All data is encrypted with AES-256 at rest and TLS 1.3 in transit. We comply with the DPDP Act 2023, and your data is stored only in Indian data centres. We never share your data with anyone without your explicit consent. You can delete your data at any time.
Do I need my CIBIL report to use Debto?
No. You can enter your loan details manually — lender, outstanding amount, EMI, interest rate — and get the full analysis. If you do have your CIBIL report PDF, uploading it saves time as we auto-extract all your loan data. You can download one free CIBIL report per year from cibil.com.
What types of loans does Debto support?
Home loans, personal loans, auto loans, education loans, credit cards, BNPL (buy now pay later), gold loans, loans against property, business loans, and more. We compare your rates against 30+ Indian banks and NBFCs including SBI, HDFC, ICICI, Axis, Kotak, Bajaj Finserv, and others.
How much can I actually save?
It depends on your loan portfolio, but our users typically save ₹3,000–₹15,000 per month by refinancing high-interest loans and optimising their repayment strategy. Even a 1–2% rate reduction on a home loan can save lakhs over the loan tenure.
What is the expert consultation service?
Our certified financial advisors review your full debt portfolio, negotiate directly with your existing banks for rate reductions, help you with loan consolidation, and create a custom repayment plan. Sessions are available via video call or in-person (select cities). Packages start at ₹2,999.
Can Debto help improve my CIBIL score?
Yes, indirectly. By helping you prioritise repayments, reduce credit card utilisation, clear overdue accounts, and maintain a healthy credit mix, our recommendations are designed to improve your credit profile over time. We show you exactly which actions impact your score the most.
AES-256 Encrypted•Indian Data Residency•DPDP Act 2023 Compliant•No data shared without consent