Free for up to 5 loans
Know the day your last EMI ends.
Add every loan, credit card and EMI you pay. For loans with regular payments, Calwist Loan puts your extra money on the costliest debt first, rolls each closed loan’s EMI on to the next, and gives you the date you will be debt-free.
You type in your own numbers: no bank login, no reading your SMS.
November 2028
On a plan that starts in November 2026
- Principal left
- ₹4,85,000
- Active loans
- 3
- Credit card36% a yearExtra goes here first₹62,000
- Personal loan14% a year₹1,85,000
- Car loan9.5% a year₹2,38,000
12 kinds of debt
Gold loans, cash credit, overdrafts, cards, home and car loans and more.
Costliest first
Your extra money goes to the highest interest rate first.
Your debt-free date
The month you are free of your loans with regular payments.
Every payment in one list
What is coming up and what you have paid, for every loan.
How it works
Three steps to a plan you can follow.
You type in your own numbers, and you can change them whenever your loans change.
Add your loans
Add each loan, credit card and EMI: what is left to pay, the interest rate, your minimum payment and when it is due.
Add a loanExample figures- Name
- Wedding loan
- Kind
- Personal Loan
- Left to pay
- ₹1,85,000
- Interest rate
- 14% a year
- Minimum payment
- ₹6,500
- Due
- Every month, on the 5th
Say what extra you can pay
Tell Calwist Loan how much more you can put in, and how often. It goes to the costliest debt first.
Extra paymentExample figures₹5,000
every month, on top of your minimum payments
Goes first to: Credit card, 36% a year
See your debt-free date
Calwist Loan works out the plan for your loans with regular payments and shows the month you will be free of them.
Debt-free countdownExample figures2years1month
Debt-free by November 2028
Counted from October 2026
Costliest first
Pay the costliest debt first. Then roll its EMI forward.
A credit card at 36% eats money much faster than a car loan at 9.5%. So Calwist Loan puts your extra money where it saves you the most.
- Every rupee of extra goes to the loan with the highest interest rate.
- When that loan is closed, its EMI is not lost: it joins your extra and goes to the next costliest loan.
- For each loan you see two dates: when it would close with only the minimum payment, and when it closes on your plan.
- This is the one method Calwist Loan uses. Paying the highest rate first is the order that costs you the least interest.
- 1. Credit card36% a year · EMI ₹3,000ClosesJul 2027
Jul 2029Then ₹3,000 + your ₹5,000 extra goes to the next loan
- 2. Personal loan14% a year · EMI ₹6,500ClosesJun 2028
Sep 2029Then ₹6,500 + ₹3,000 + ₹5,000 goes to the next loan
- 3. Car loan9.5% a year · EMI ₹8,200ClosesNov 2028
Aug 2029
Made for how India borrows
Gold loans, cash credit, private loans. Add them all.
Not every debt is a neat monthly EMI from a bank. Calwist Loan takes the loans people in India really have, paid the way they are really paid.
12 kinds of debt
- Home loan
- Personal loan
- Gold loan
- Car loan
- Education loan
- Credit card
- Private loan
- Business term loan
- Cash credit
- Overdraft
- Equipment loan
- Other
Paid on your schedule
- Every monthon the day your EMI is due
- Every few daysfor example every 7 or 15 days
- Every few monthsfor example every 3 months
- Whenever you canfor money you pay back when you have it. Tracked and listed, but not part of the costliest-first plan or your debt-free date.
Minimum payment must be at least ₹2,334. A smaller amount would not cover the interest.
If the payment you enter would not even cover the interest, the loan would never end. Calwist Loan tells you straight away, and shows the smallest payment that does cover it.
On a gold loan, Calwist Loan reminds you to pay at least the interest, so your gold stays safe.
Every payment in one list
Know what is due next, for every loan.
Calwist Loan lists every payment from all your loans in one place, so you always know what to pay next and how much.
- Credit cardEMI ₹3,000 + extra ₹5,000₹8,0005 Nov
- Personal loanInterest ₹2,158 · principal ₹4,342₹6,5007 Nov
- Gold loanInterest ₹1,240 · principal ₹610₹1,85015 Nov
- Car loanInterest ₹1,884 · principal ₹6,316₹8,20020 Nov
Mark as paid
Upcoming and done
Every payment for every loan, in date order. Switch between what is coming up and what you have paid.
Mark what you really paid
Paid a different amount, or on a different day? Enter it when you mark the payment as paid, and the plan works itself out again.
A full schedule for each loan
Open any loan to see each payment split into interest and principal, and the balance left after it.
Your dashboard
One page that shows where you stand.
After you sign in you land on your dashboard. It is built from the loans and payments you entered, and it changes as you mark payments as paid.
Debt-free countdown
The years and months left, and the month your plan ends in.
Paid and left
Principal paid, interest paid, principal remaining and interest remaining, side by side.
Progress by kind of debt
See how far along your home loans, gold loans, cards and the rest each are.
Payoff timeline
A chart of your payoff over the months ahead, and how many years sooner your extra payments get you there.
Talk to a person
When the numbers are not enough, request a call.
On the Elite and Enterprise plans you can request a call with our team from inside the app. One person from our team becomes your point of contact, so you do not have to explain your loans again each time.
- Elite₹1,999 per yearRequest one call each month
- Enterprise₹9,999 per yearRequest a call any time
- Tell us the best way to reach you (email, phone or WhatsApp) and what you want to talk about.
- Your point of contact gets back to you the way you asked.
- On the free Starter plan, or before you sign up, you can write to us at support@calwist.com.
Preferred Contact (Email / Phone / WhatsApp)
you@example.com
Meeting Topic / Message
Should I close my credit card first, or prepay my home loan?
Your data stays yours
Your loans are your business.
Debt is personal. Here is what Calwist Loan does, and does not do, with yours.
You type the numbers
Calwist Loan only knows what you enter: the loans, the rates and the payments.
No bank login
It never asks for your net banking or card login, and does not connect to your bank.
No reading your SMS
It does not read your messages to find loans or payments.
Not a lender
Calwist Loan does not lend money and does not talk to your lenders. It is a plan for you.
Reset Account
Delete Account
From your account page you can reset, which deletes all your loans and your plan so you can start again, or delete your account with its loans and plan.
What it does not do
- It uses one method: the costliest debt first.
- It does not send payment reminders by SMS, WhatsApp or email.
- There is no app to install: it runs in your browser, on a phone or a computer.
Pricing
Start free. Pay only if you need more.
The free Starter plan has every planning feature for up to 5 loans. The paid plans remove the limit and let you request a call with our team. One person from our team becomes your point of contact. Paid plans renew every year until you cancel; if you cancel, you keep the plan until the year you paid for ends.
Starter
₹0free
Everything you need to plan your payoff, for up to 5 loans.
- Up to 5 loans, cards and EMIs
- Costliest-first payoff plan and debt-free date for loans with regular payments
- Every payment in one list
Elite
₹1,999per year
For more loans, and a person to talk to once a month.
- Up to 999 loans, cards and EMIs
- Everything in Starter
- Request one call with our team each month
Enterprise
₹9,999per year
For more loans, and a call with our team whenever you need one.
- Up to 999 loans, cards and EMIs
- Everything in Starter
- Request a call with our team any time
You choose a paid plan inside the app, on the Memberships page, after you sign in. You can cancel there too.
Is Calwist Loan really free?
Yes, for up to 5 loans, with every planning feature: the costliest-first plan, your debt-free date and the list of every payment. Elite and Enterprise raise the limit to 999 loans and let you request a call with our team.
Do I have to give my bank login?
No. You type in your loans yourself. Calwist Loan does not connect to your bank, never asks for your net banking or card login, and does not read your SMS.
Which loans can I add?
Twelve kinds: home, personal, gold, car and education loans, credit cards, private loans, business term loans, cash credit, overdrafts, equipment loans and other. A loan you pay every month, every few days or every few months goes into the plan. A loan you pay back whenever you can is tracked and listed, but is not part of the plan or your debt-free date.
What if my payment does not cover the interest?
Then the loan would never end. Calwist Loan tells you straight away and shows the smallest payment that does cover the interest.
Does Calwist Loan lend money, or contact my lenders?
No. It is a plan for you. It does not lend money and does not talk to your lenders.
What happens if I cancel a paid plan?
Paid plans renew every year until you cancel. You cancel from the Memberships page in the app, and you keep the plan until the year you paid for ends.
Can I delete my data?
Yes. From your account page you can reset, which deletes all your loans and your plan so you can start again, or delete your account with its loans and plan.
Do I need to install an app?
No. Calwist Loan runs in your browser, on a phone or a computer.
Start with the loans you have today.
It is free for up to 5 loans. Move to Elite or Enterprise when you need more loans, or want to request a call with our team.
Keep these handy for each loan
- What is left to pay on each loan or card.
- The interest rate on each one.
- Your minimum payment or EMI, and the day it is due.
- How much extra you could pay, and how often.