Debt Stress Report: is your debt getting too heavy?
The Debt Stress Report compares what you repay each month with what you earn, breaks the repayments down by loan, and flags when the load looks risky. It uses the loans you have saved in the Vault.
What the Debt Stress Report looks at
- Debt-to-income ratio
- Your monthly repayments as a share of your income.
- Loan by loan
- Which loans take the most of your monthly money.
- Risk and insights
- Plain notes on what looks risky and what to do about it.
What you need, and how to use it
What it needs: Loans saved in the Vault. Without saved loans, the report falls back to repayment-like entries and needs income recorded.
- Add your loans in the Vault, with the amount, rate and EMI.
- Record your income in a book.
- Open Insights, then Reports, then Debt stress.
Questions people ask
What is a healthy EMI-to-income ratio?
It depends on your other commitments and your savings, so there is no single rule. The report shows your ratio and flags when it looks risky; many people try to keep repayments to a moderate share of income, and lower if they have dependents.
Can I see how prepaying a loan would help?
Yes. The loan prepayment calculator shows how much interest and time you save if you pay extra.
Is it free?
Yes. Everything in the app is free to use at the moment: there is no paid plan to choose.
See your own numbers
Create an account, add a few entries and open Debt Stress Report. It works from what you record.