DebtFree: Get Out Of Debt

DebtFree is a debt recovery guidance platform built for everyday borrowers — not investors, not banks, just people who want to get out of debt and stay out.

HOW IT WORKS

DebtFree uses a deterministic engine to classify your recovery state every day. No black boxes. No guesses. Just clear, explainable guidance based on exactly where you are.

• Debt Temperature (Cool / Warm / Hot) — instantly shows whether interest is winning or you are
• Recovery Mode (Steady / Stabilize / Crisis) — tells you whether to hold course or act urgently
• GOOD Score (0–100) — your personal Get Out Of Debt index, updated as you pay

WHAT'S INSIDE

📊 Dashboard
Your complete financial picture at a glance: total debt, this month's payments, streak, and what to do today.

₹ Debt Tracker
Add every debt — credit cards, personal loans, EMIs. Log payments. Watch progress bars move.

✦ AI Coach
Ask anything about your debt situation. The coach knows your current state, your debts, and your history. It gives personalised guidance — not generic advice.

☰ Playbook (27 Scenarios)
Step-by-step scripts for every debt situation:
• Negotiating your interest rate with HDFC, SBI, Axis, ICICI
• Writing a hardship letter to pause payments
• Responding to recovery agent calls without panic
• Building a 90-day payment plan with your lender
• Handling a missed EMI — what to say in 48 hours

⚙ Power Tools (15 Tools)
Practical calculators that give you numbers, not recommendations:
• Avalanche and Snowball payoff projectors
• Rate sensitivity calculator
• EMI restructure estimator
• Balance Transfer Scout (shows break-even math only — no referrals)
• Debt-to-income ratio tracker
• And more

TIERS

Free — Full debt tracking, GOOD Score, basic Coach, 9 Playbook scenarios
Momentum — Full Coach, 21 Playbook scenarios, all Power Tools, priority support
Power — Everything in Momentum plus advanced analytics and unlimited coach messages

PRIVACY & TRUST

DebtFree does not share your data with lenders, credit bureaus, or third parties. Your financial situation is yours. We're here to help, not to sell.

No credit applications. No loan referrals. No affiliate links. Just recovery guidance.

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Questions? support@debtfree.care
Website: debtfree.care