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Control your debt. Enjoy your life.
Dette gives you two free tools that show you exactly where your debt stands and what an EMI does to your life — before you commit to anything. No formulas to learn, no accounts to create.
Know where you stand
One number that tells you exactly where you stand
Enter your income, what you already owe every month, and how much you've saved for emergencies. Dette turns that into a single score from 0 to 100 — like a credit score, but instant, private, and something only you ever see.
- 01Enter your income, debt, and savings buffer
- 02Get an instant score from 0–100
- 03See exactly what's driving it — no guesswork
Know where you stand
Sample
82
Strong
Your debt is working for you, not against you
Debt-to-income
87
Safety buffer
78
Know before you owe
Sample
Before
25%
of income committed
After this EMI
43%
of income committed
Total cost
₹88,013 total over 12 months —₹8,013 more than the cash price.
₹7,334/month × 12 months
Know before you owe
See what this EMI actually does to your life
Type in what you already earn and owe, then the price, tenure, and interest of whatever you're about to buy on EMI. In a few seconds you'll see exactly what share of your income gets tied up and how tight things get if something unexpected comes along.
- 01Enter your income, what you owe, and what you're about to spend
- 02See exactly what it does to your monthly position
- 03Decide with your eyes open. The choice stays yours
From the ledger
Worth reading before you tap "Pay"
What that EMI actually does to your month
The interest rate isn't the number that matters most. It's how much of your income is already spoken for.
Buying for the applause, paying for it later
Validation-driven purchases aren't a character flaw. But they carry a real cost.
The BNPL trap: how "pay later" apps quietly become EMIs
It doesn't feel like debt because it doesn't look like debt. It behaves like one anyway.
Credit card minimum due is a trap, not a payment
Paying the minimum keeps your account in good standing. It does almost nothing to stop the debt from growing.