THE PERSONALISED DEBT CLARITY REPORT
Your debt has a number.
Your situation has a story.
See every EMI, card, app loan, salary and due date as one connected picture. Know where the pressure sits, which date deserves attention and what to do next.
One-time paymentPrivate guided entryPDF generated for your case
Clarity before another decision.
NOT ANOTHER EMI CALCULATOR
₹299 should buy a decision,
not a decorated total.
KarzMap checks the monthly maths and the daily cash reality separately. That difference matters: you can end a month in surplus and still miss an EMI before salary arrives.
KARZMAP / PERSONAL DEBT CLARITY REPORT
01 / YOUR POSITION
This month has a cash-timing gap.
Monthly income covers entered outflows, but the dated calendar falls short before salary arrives.
YOUR NEXT 3 ACTIONS
- Confirm the payment due before 5 October.
- Ask whether the due date can move after salary.
- Protect essentials; do not treat the gap as a borrowing target.
BUILT FOR HOW INDIA BORROWS
One household.
Many kinds of pressure.
Salary arrives after the due date.
KarzMap finds the low point inside the month instead of hiding it inside a monthly average.
02Rent05EMI07Salary
Minimum card dues feel manageable.
We separate payment, new spending, charges and balance movement. A minimum due is not presented as a payoff plan.
Small loans stack quietly.
BNPL, phone EMIs, salary advances and app loans appear together so “small” payments cannot disappear across apps.
A gold or home loan has different stakes.
Account-specific checks surface maturity amounts, secured assets, notices and the facts that need individual review.
PAY. MAP. CHECK. DOWNLOAD.
Ten careful minutes can change the next conversation.
You pay first, then enter your financial details in a private guided workspace. Every important blank stays visible. The engine withholds calculations that your data cannot honestly support.
Start securely · ₹299 →- 01
Secure payment
Cashfree processes ₹299. No subscription.
- 02
Add what you know
Use statements and lender apps where possible.
- 03
Review four checks
Money, debts, dates and assumptions.
- 04
Download your PDF
Your case is calculated after payment verification.
“Clarity is the first form of relief.”
No shame.
No miracle promises.
KarzMap does not lend, settle debt or predict your credit score. It turns the facts you enter into a clearer position, specific questions and a practical next step.
ONE PERSONALISED REPORT
Know where you stand
before the next due date.
₹299one-time
no subscription
no subscription
- 17 Indian debt categories
- Daily cash-gap analysis
- Missing-data and duplication checks
- Case-specific options and warnings
- India help and complaint routes
- Downloadable PDF
BEFORE YOU BUY
Clear answers.
Is this just an AI-written report?
No. Your totals, dated cash ledger, gaps, account checks and supported comparisons are produced by deterministic calculations. The report also labels missing information and refuses forecasts when key facts are unknown.
Will it tell me whether I am in serious trouble?
It can show entered warning signs such as a monthly deficit, unfunded due dates, arrears, borrowing-to-repay and incomplete balances. It is educational analysis, not an insolvency finding, credit decision or legal opinion.
What if I do not know every rate or balance?
You can still continue. The workspace tells you where to look and the report marks what is incomplete. Unknown rates are not guessed, and missing balances are not silently treated as zero.
Why do I pay before entering debt details?
You can inspect the fictional sample first. After payment, your private workspace opens so financial details are not collected from visitors who have not chosen the product.
Can KarzMap negotiate or settle my debt?
No. KarzMap does not contact lenders, arrange loans or promise settlement. It helps you understand your facts and prepare a more informed conversation.
WHEN THE NUMBERS ARE ONLY HALF THE WEIGHT
Debt stress deserves space too.
A private 45-minute online conversation with a professional counsellor. Emotional support only; counselling does not repay or negotiate debt.
₹99945 minutesView counselling →