How It Works

Three steps.
Under two minutes.

No account required to start. Enter your numbers, get your AI-powered verdict, walk into your lender's office knowing more than they expect.

01
Your finances

Monthly income, existing EMIs, fixed expenses, emergency savings. Your data stays on your device — never uploaded, never sold.

Monthly take-home salary
Existing loan EMIs
Fixed monthly expenses
Emergency savings buffer
02
Loan details

Choose from templates (Home, Car, Personal, Education, Business) or enter custom values. Sliders update your EMI live.

Loan amount & tenure
Interest rate
Loan purpose classification
Productivity score (builds vs burns wealth)
03
Your AI verdict

YES, STRETCHED, or NO — with a personalised AI explanation in plain language, using your exact numbers. Plus your lender negotiation guide.

DTI & FOIR analysis
Financial buffer months
What-if simulator
Lender negotiation questions
✦ New Feature

Your verdict,
explained by AI.

Every verdict now comes with a personalised AI analysis — written in plain language, using your exact numbers. Not generic advice. Your situation, explained to you like a knowledgeable friend would.

✦Tells you exactly why in your own rupees — not textbook definitions
✦Shows how fast your buffer depletes and exactly when you hit distress
✦No jargon. Written the way a wise friend explains it — not a bank
✦ AI Verdict
NO

This loan will break you.

Monthly EMI
₹16,488
Surplus/mo
−₹488
✦ AI Analysis

• Your ₹50,000 income cannot sustain this EMI — ₹488 monthly deficit from day one.

• Your 13.9-month buffer depletes immediately to cover the shortfall.

• Clear path to financial stress and debt accumulation.

✦ AI-Powered Verdict

Not a score.
A personalised explanation.

✦ AI Verdict
YES

You can responsibly take this loan. Your AI analysis shows exactly what to negotiate with your lender before you sign.

Ready to borrow
✦ AI Verdict
STRETCHED

One financial setback from trouble. Your AI breakdown shows exactly where the risk lies and what to do about it.

Proceed with caution
✦ AI Verdict
NO

Serious risk. Your AI analysis explains your exact monthly deficit and how fast your buffer will deplete.

Protect yourself

Ready to know
before you owe?

Free download. No account needed. Available in Hindi, English, Marathi, and Tamil.

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