DebtZero
DebtZero Summary
DebtZero is a Android app in the Finance category, developed by Xigmapro Apps. the app has accumulated 2+ total installs
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App Description
Become debt-free faster with EMI optimizer, AI coach, income & expense tracking
India’s #1 Debt-Free App – DebtZero
DebtZero helps you clear all your loans, EMIs, BNPL, and credit card debt faster with powerful tools like AI debt coach, EMI optimizer, spend blocker, SMS-based EMI detection, income & expense tracking, investment tracking, and goal planning.
Your full 30-day free trial unlocks everything—no ads, no limits.
🔥 Top Features
1️⃣ Debt Snowball & Avalanche Calculator
Add all your loans and get a personalized repayment plan:
Credit cards
Personal loans
BNPL (Zest, Lazypay, Slice)
Bike/Car loans
Home loans
Education loans
Microfinance loans
See your Debt-Free Date, monthly plan, interest savings, and progress.
2️⃣ EMI Optimizer for India
Reduce your EMI burden instantly:
Best loan to prepay first
Interest saved calculator
Bank switching suggestions
Avoid hidden fees & penalties
Auto EMI reminder system
3️⃣ Automatic EMI Detection via SMS
No need to enter everything manually.
DebtZero reads financial SMS (with permission) to auto-detect:
Upcoming EMIs
Minimum dues
Loan disbursements
Credit card bills
Late fee alerts
You confirm before data is saved—private and secure.
Your personal money coach is available 24/7.
5️⃣ Spend Blocker – Stop Impulse Buying
Stay in control with:
24-hour cooling-off lock
Daily savings summary
“No-Spend Challenge” mode
Save more, avoid emotional buying, and stay debt-free.
6️⃣ Track Income, Expenses & Cash Flow
A complete money manager inside your debt app:
Monthly income tracking
Daily expense tracking
Auto categories
Smart budgets
Cash flow summary
Understand where your money actually goes.
7️⃣ Track Investments Easily
Manage all your assets in one place:
Mutual funds
SIPs
Stocks
FD/RD
Gold
Get a clear net worth snapshot.
8️⃣ Smart Goals & Savings Planner
Set personalised financial goals like:
Debt-free in 12 months
Save for emergency fund
Buy a bike/car
House down payment
Wedding / Travel / Education goals
DebtZero tells you how much to save monthly.
9️⃣ 30-Day FULL ACCESS Free Trial
Enjoy everything with no restrictions:
Unlimited debts
Unlimited SMS auto-detection
Unlimited AI queries
Unlimited expense tracking
All premium features
After 30 days, continue with a paid plan.
⭐ Why Indians Love DebtZero
Reduces EMI pressure
Saves interest
Stops overspending
Tracks all money in one app
Keeps finances stress-free
Helps you become debt-free faster
Secure, private, and built for India