Walk through your income, your debts and what you own — one question at a time. At the end you'll see exactly what your debt costs you every month, which of your own assets could reprice it far cheaper, and the sequence that clears everything fastest. Just arithmetic on your numbers.
Debts
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Assets
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Bleeding / month
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Step 1 of 4 · What comes in
Start with your income.
Everything else is measured against what's actually left over each month.
₹
₹
Enter both and we'll show what's left over.
Step 2 of 4 · What you owe
Every loan, one by one.
Home loan, car, personal, credit card, education, gold, anything. The interest rate matters more than the size — add them all.
Add a loan
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%
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Your loans
Add at least one loan to continue
Step 3 of 4 · What you own
Now your assets.
This is the part most people skip — and it's where the answer usually hides. Assets sitting idle can often be borrowed against far cheaper than what your expensive debt costs.
Add an asset
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Your assets
Step 4 of 4 · Safety net
One last question.
If your income stopped tomorrow, how many months could you cover expenses from cash you can reach immediately?
months
There's no wrong answer here — it just changes how the numbers should be read at the end.
M Infinite is an educational platform and is not a licensed investment adviser, lender or credit counsellor. Everything on this page is a mathematical illustration based on the numbers you enter — not a recommendation to prepay, refinance, restructure, pledge an asset or take any action. Real loans carry processing fees, prepayment charges, lock-ins and conditions we cannot see, and pledging an asset puts it at risk. Speak to your lender or a qualified adviser before acting. Your entries stay in your browser and are never sent to us.