Fix Your Finance

Three loans. One family. Nobody knew the real total.

List exactly what you owe, or just describe what's going on. Get back a plain-language answer: where you stand, and what to do first.

No advice to borrow more No judgment Just the numbers, in order
DEBT CLARITY PASSBOOK
A/C TYPE: HOUSEHOLD

What's in the full report

A sample, with made-up numbers, so you know exactly what ₹199 gets you before you pay.

Sample · illustrative
Right now, ₹31,200 of your ₹58,000 income goes to EMIs each month — that's 54%. One loan, the gold loan with SBI, is underwater: the EMI doesn't fully cover the interest, so that balance is quietly growing every month. Clearing that one first stops the bleeding before anything else.
Pay off in this order
1
Gold loan – SBI underwater
Balance is growing — EMI ₹2,900 doesn't cover monthly interest of ₹3,100
2
Personal loan – HDFC
Clears in ~14 months · total interest ₹18,400
3
Phone EMI – Bajaj Finserv
Clears in ~6 months · total interest ₹1,100
Fix Your Finance is built and maintained independently as part of the SalaryBit family of tools — see who's behind it. Got a question, a bug to report, or an issue with a report you paid for? Contact us directly at hello@salarybit.in — we read every message. Read our privacy policy for exactly what happens to the numbers you enter.

Frequently asked questions

Is this financial advice?

No. Every report is general educational information based only on the numbers you enter — it isn't individualized investment advice (which in India requires a SEBI-registered investment adviser) or individualized insurance advice (which requires an IRDAI-licensed advisor or POS agent). We never recommend a specific lender, insurer, mutual fund, or policy.

What happens to the numbers I enter?

Your loan, expense, and insurance figures are used only to generate your report. Nothing is sold to lenders, insurers, or advertisers, and we don't call you afterward.

How is the free preview different from the paid report?

The free preview is a quick, on-device verdict — is your situation healthy, caution, high risk, or critical — with no payment or AI involved. The ₹199 report adds the full ranked breakdown (what to fix first and why) written out in plain language for your specific numbers.

What if I'm not sure which mode to use?

If you can list out your loans one by one, use "I can list my loans." If you want a full picture of your monthly income, expenses, insurance, and savings together, use "My full money picture." For anything else — a tax notice, an insurance claim dispute, a loan you guaranteed for someone — use "It's something else."

What if the payment goes through but the report doesn't load?

Your payment is safe either way. If a report ever fails to generate, note your payment ID from the Razorpay confirmation and contact support — the report will be sent to you directly.

Do you store my payment details?

No. Payments are handled entirely by Razorpay; this tool never sees or stores your card, UPI, or bank details.

Disclaimer

Fix Your Finance is an independent, self-serve tool that turns numbers you enter into a plain-language summary. It is provided for general educational purposes only and does not constitute individualized financial, investment, insurance, tax, or legal advice. Reports may reference general rules of thumb (for example, typical emergency-fund or insurance-cover benchmarks) but never recommend a specific lender, insurer, mutual fund, policy, or product, and never guarantee any outcome or return. Figures and interest-rate assumptions used in reports (for example, typical credit-card revolving rates) are estimates for illustration and may not match your actual lender's or issuer's terms — always confirm exact terms directly with your bank, lender, or insurer. For advice tailored to your personal situation, consult a SEBI-registered investment adviser, an IRDAI-licensed insurance advisor, a chartered accountant, or a lawyer, as appropriate. Use of this tool and its reports is at your own discretion and risk.