Become Debt-Free Faster with AI-Powered Insights
Get your free CIBIL debt analysis in 60 seconds. Personalized repayment strategies, interactive calculators, and expert guidance — built for India.
No credit card required • Bank-grade encryption • DPDP Act 2023 compliant
About Debto
Your AI Partner for a Debt-Free Future
Empowering Indians to understand, manage, and eliminate debt
India's consumer credit market has crossed ₹50 lakh crore. The average borrower now juggles 2.4 active loans — home, personal, credit cards, BNPL — yet there's no widely-adopted platform that helps consumers actually understand and reduce their debt burden.
Debto fills that gap. We combine instant CIBIL access with AI analysis to give you a personalized, graph-rich roadmap to debt-freedom — completely free to start.
RBI-Compliant
Built to DPDP Act 2023 standards. CIBIL data accessed only with your explicit consent and stored on Indian servers.
AI-Powered Analysis
A personalized debt-free roadmap with timelines, repayment strategies, and interactive scenario modelling.
Bank-Grade Security
AES-256 encryption at rest and TLS 1.3 in transit. Aadhaar is hashed, never stored. PAN masked after verification.
Human Expert Backup
For complex situations, our advisors negotiate with banks and assist with restructuring on your behalf.
What You Get
Everything you need to understand and reduce your debt — free
AI Debt Analysis Report
Our core differentiator. Combines deterministic financial calculations with AI-generated narrative insights to give you a personalized, easy-to-understand report.
- Instant debt-free timeline & total interest projections
- Repayment strategy comparison (Avalanche / Snowball / Hybrid)
- Interactive scenarios — what if I pay extra ₹3,000/month?
- Plain-English narrative report you can download as PDF
CIBIL Auto-Fetch
Submit PAN + Aadhaar, give consent, get your full CIBIL report in under 60 seconds — no manual entry.
Repayment Strategy Engine
Avalanche vs Snowball comparison with priority order per loan and projected interest savings.
Extra Payment Simulator
Adjustable slider from ₹1,000 to ₹50,000 — see new debt-free date and interest saved instantly.
Balance Transfer Calculator
Compare partner-bank rates, factor in processing fees and foreclosure charges, see real savings.
How It Works
From sign-up to a debt-free plan in under 5 minutes
Quick Registration
Sign up in seconds with mobile OTP or Google one-tap. Minimal friction — just your phone or Gmail to get started.
KYC & Consent
Enter your PAN and Aadhaar with explicit consent for CIBIL data fetch. Mandatory under RBI rules — and it protects you.
CIBIL Fetch & Report
We pull your full CIBIL report in 5–15 seconds. View your score, all active loans, EMIs, and account history in one dashboard.
AI Analysis & Plan
Get your personalized debt-free roadmap with timelines, repayment strategies, and interactive calculators to model scenarios.
What Our Users Say
Real stories from people who took control of their debt
"Debto helped me see exactly which loan to clear first. The avalanche-strategy report alone saved me ₹1.4 lakh in interest, and the AI explanations made it simple enough that I could finally take action."
"I had four EMIs going at once and no idea where to start. The 60-second analysis showed me an extra ₹3,000/month would close everything 14 months faster. Game-changer."
"The balance-transfer calculator paid for itself instantly — moved my personal loan from 16% to 11.5% and Debto walked me through every fee. Honest, clear, no upsell pressure."
Sample testimonials shown for layout. Real client stories will appear after launch.
Frequently Asked Questions
Everything you wanted to know — clearly answered
Yes — registration, your CIBIL fetch (1 per quarter), the AI debt analysis, debt-free timeline, and basic calculators are all free. We earn revenue only from optional premium services like 1-on-1 advisor consultations, bank negotiation help, and partner referrals — and only if you choose them.
Get Started
Begin your debt-free journey today — it's free and takes a minute
Ready to take control of your debt?
Join thousands of Indians who are using AI to understand, optimize, and eliminate their debt. Start with a free CIBIL analysis — no commitment, no credit card.
Have questions first?
Our team is happy to walk you through how Debto works, answer questions about CIBIL, data privacy, or which strategy fits your situation.