Total outstanding
₹4L
4 active accounts
Debt clarity workspace
See the debt behind the headline rate.
Debt Detox surfaces the fees, taxes, insurance, and exit charges that make a loan cost more than it first appears.
Monthly payments
₹30,550
Across all active debts
Hidden costs found
₹18,320
Upfront fees & bundled extras
Costliest true APR
48.6%
HDFC Credit Card
Start with one statement
Upload a loan agreement, card statement, or BNPL schedule to calculate the effective APR and surface charges that deserve a closer look.
Your debt stack
True cost, not just the advertised rate.
| Account | Balance | Advertised APR | True APR | Payoff order | Open debt details |
|---|---|---|---|---|---|
QuickCash Finance Personal loan | ₹1,85,000 | 18.5% | 27.8% High cost | #1 | |
HDFC Credit Card Credit card | ₹74,200 | 42% | 48.6% High cost | #2 | |
PayLater Plus BNPL | ₹28,600 | 0% offer | 31.4% Monitor | #3 | |
Axis Personal Loan Personal loan | ₹1,30,400 | 15.2% | 18.7% On track | #4 |
Debt Detox estimates effective cost from the amounts you provide and is for education only. Confirm fees, balances, and repayment options with your lender.