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Free Karz Check
₹0
3-minute cash-flow read for salary, essentials, dues and timing pressure.
- Monthly gap
- Salary-cycle pressure
- Multiple debts
- No bank login / OTP
India-first · Cash-flow-first · Human-reviewedEMI ka mess.
EMI ka mess.
Ek clear plan.
Salary, EMIs, credit cards aur loan apps ko ek jagah map karo. Free check se numbers samjho, ₹199 Rescue Kit se exact action plan lo — aur agar debt stress heavy lag raha hai, 60-minute 1:1 human support available hai.
Free check stays in browserNo lender commissionsPaid cases human-reviewed
Fictional case · real KarzMap logic
Take-home salary₹45,000
Essentials₹20,000
Current required payments₹33,350
Monthly gap−₹8,350
Before salary due₹22,500
KarzMap insight: ₹8,000 cash ke against salary se pehle ₹22,500 due — immediate problem ₹14,500 timing gap hai. “Kaunsa loan pehle?” uske baad.
KarzMap support ladder
Three levels of help. Start free.
Har borrower ko same product push nahi karna. Pehle free diagnosis, phir paid report only where it adds value, aur jab stress + complexity high ho, human walkthrough.
Personalised
Karz Rescue Kit
₹199 one-time beta
A human-reviewed decision pack built from your actual numbers — not a generic AI essay.
- Detailed salary-cycle diagnosis
- Repayment scenarios where defensible
- 30/60/90-day action map
- Your personal question + follow-up
When you need a human
Debt Stress & Clarity Call
₹999 / 60 minutes
Feeling overwhelmed by debt? Talk through the numbers, priorities and next questions with a KarzMap human.
- 1:1 private walkthrough
- Debt + salary-cycle organization
- Questions to ask lenders
- No loan selling
₹199 ka value “AI report” nahi. A worked debt case hai.
Paid Rescue Kit aapke actual numbers ko decisions mein convert karta hai — cash-flow gap, salary timing, repayment options, short-term-loan cost, 90-day actions aur aapka personal question.
₹
Exact problem
Monthly gap, salary se pehle kitna due hai, aur kaunsa payment cash-flow ko pressure de raha hai.
↗
Options with trade-offs
Jahan data enough ho, repayment paths ko cost, speed aur cash-flow relief ke basis par compare kiya jaata hai.
90
Action, not essay
Next 30/60/90 days ka clear map, lender-question script, one personalised question and one follow-up.
See before you payOpen full sample PDF
Sample report ab actually detailed hai.
Fictional 12-page Rescue Kit shows the full standard: diagnosis, salary-cycle map, debt inventory, modeled payoff paths, short-term loan check, lender script, 30/60/90 plan, personal Q&A and transparent assumptions.
12 pagesFictional worked case
₹199Beta report price
Human reviewBefore delivery
Free Karz Check
Approximate numbers se start karo. Free check ke typed figures is page se server par submit nahi hote.
Step 1 · Monthly reality
Salary aur minimum ghar kharcha.
Take-home salary use karo. Essentials mein sirf rent, food, commute, medical, school aur unavoidable household cost rakho.
EMIs include mat karo.
Step 2 · Saare active debts
Har loan/card ko alag add karo.
APR nahi pata? Skip kar do. Free diagnosis ke liye current balance, required payment aur due date sabse important hain.
0 debts added
Multiple loans? Upar wale buttons ko jitni baar chaho tap karo. Har debt alag card banega.
Current read
—
—
Debt payments / salary0%
Current required payments ÷ entered take-home salary.
Total outstanding₹0
Required this cycle₹0
After essentials₹0
Monthly gap₹0
Salary-cycle dues
Due dates salary day ke relative order mein shown hain.
What the numbers say
—
₹199 Beta · human-reviewed
Personalised Karz Rescue Kit
Exact 90-day salary-cycle map
Repayment options where data supports them
Short-term loan / card cost breakdown
Lender-question script
Your one personal question + one follow-up
₹199 one-time beta price
Paid case details are submitted only after payment and explicit consent.
Instant-loan reality check
“₹10,000 loan” ka actual cash impact dekho.
APR invent nahi karte. Jo cash mila, jo total repay karna hai, aur next salary par kitna load padega — woh directly show karte hain. Official APR/charges lender ke KFS se verify karo.
Cash cost₹0
Cost / cash received0%
Repayment / salary—
This is a cash-cost comparison, not an official APR calculation or loan recommendation.
Paid plan ka flow simple hai.
First 20–50 customers ke liye automation se zyada accuracy important hai, isliye every paid case human-reviewed rahega.
01
Free check
3-minute cash-flow read. Agar paid plan useful nahi lagta, hum push nahi karte.
02
₹199 + detailed intake
Salary date, every debt, due dates, optional KFS/statement details and your personal question.
03
Formula + review
Math deterministic calculations se. Lender-specific uncertainty clearly marked. Paid case reviewed before delivery.
04
Rescue Kit
Digital PDF + clear summary + one follow-up question. Beta target: within 24 hours after complete information.
What KarzMap will not pretend to know.
Trust ka matlab “perfect prediction” nahi. Trust ka matlab assumptions ko visible rakhna.
APR missing? Cash-flow diagnosis ho sakta hai, but cheapest payoff savings claim nahi karenge.
Payment overdue? Standard optimiser ko first answer nahi banayenge.
Income se dues fit nahi hote? “Avalanche” bolkar missing cash create nahi hota.
Payment overdue? Standard optimiser ko first answer nahi banayenge.
Income se dues fit nahi hote? “Avalanche” bolkar missing cash create nahi hota.
Calculation guardrails
- Free check income, essentials, required payments and due-day timing use karta hai.
- Short-term loan screen cash received vs total repayment compare karta hai; annualised APR invent nahi karta.
- Credit-card payoff analysis paid report mein entered/KFS APR aur statement rules ke basis par qualify kiya jaata hai.
- Overdue, collections, settlement, legal notice or lender-specific restructuring cases need extra human review.
- We do not sell or recommend a new loan as the default “solution.”
Human support
Debt stress mein sirf calculator enough nahi lag raha?
60 minutes mein situation ko calmly map karo: kya urgent hai, kya wait kar sakta hai, lender se kya poochna hai, aur agla salary cycle kaise organize karna hai.
See 1:1 support callThis is debt-support and educational decision-support, not mental-health counselling/therapy, crisis intervention, legal advice or a lending service.
₹99960-minute 1:1 Debt Stress & Clarity Call
Enquiries: admin@karzmap.in
FAQ
₹199 mein exactly kya milta hai?
Personalised digital Karz Rescue Kit: salary-cycle diagnosis, 30/60/90-day action map, relevant repayment comparisons where data supports them, short-term/card cost explanation, lender-question script, your one personalised question and one follow-up. See the fictional sample before buying.
Mere 8–10 loans hain. Sab add ho sakte hain?
Haan. Free check aur paid intake dono multiple debts ke liye designed hain. Har loan/card alag add hota hai.
APR nahi pata toh?
Free cash-flow check still works. But precise interest-savings comparison ko APR/KFS ke bina exact nahi bolenge.
Kya KarzMap loan deta ya lender recommend karta hai?
Nahi. Current KarzMap service loan provider, loan marketplace, settlement negotiator ya credit-repair service nahi hai.
Free calculator ka data save hota hai?
Is version mein free calculator browser-side run karta hai and typed salary/debt values KarzMap server ko submit nahi hote. Paid plan ke liye data only after explicit submission and consent process kiya jaata hai.
Agar mera case already collections mein hai?
Free check aapko status flag karne deta hai. Standard payoff optimisation ko primary answer nahi banaya jaata; complex delinquency/collections cases ko lender facts aur qualified help ke context mein review karna pad sakta hai.
₹999 1:1 call “counselling” hai?
KarzMap ka 60-minute call debt stress ko organize karne, numbers samajhne aur next questions/actions map karne ke liye hai. It is not mental-health counselling, therapy, crisis support, legal advice or a loan recommendation service.
Apne numbers ko pehle samjho.
3-minute free check. No bank login. No OTP. No lender sales pitch.