Debt Rescue Planner

Which debt should I fix first?

Separate survival cash flow from repayment optimisation. The planner checks EMI pressure, emergency cover, interest drag, and a practical payoff order.

Facts you enter

Map the debt pressure

Monthly income

Essential expenses

Emergency savings

Extra debt payment

Credit card

Credit card balance

Credit card rate

Credit card minimum EMI

Personal loan

Personal loan balance

Personal loan rate

Personal loan minimum EMI

Vehicle loan

Vehicle loan balance

Vehicle loan rate

Vehicle loan minimum EMI

Math output

Debt rescue signal

Total debt

₹9,80,000

Minimum monthly outflow

₹34,000

Debt service ratio

28.3%

Emergency cover

2.7 months

Estimated payoff time

15 months

Estimated interest drag

₹90,648

NiyamFin interpretation

snowball

A smallest-balance-first order can build momentum while minimums stay covered.

Suggested payoff order

Credit card - ₹1,80,000 at 36.0%
Vehicle loan - ₹3,00,000 at 10.0%
Personal loan - ₹5,00,000 at 14.0%

Automate minimum payments for every debt, then direct all surplus to the first debt in the recommended order.

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