The private debt planner for Indian families

Made for the ones
who carry.

freeeme is a private, family-first planner that helps every household see its EMIs, carry them together, and reach its freedom day.

Take Free Financial Health CheckupFinancial Health Checkup Read Our ManifestoManifesto
  • No bank logins
  • Private by default

Every family carries something.

It never starts as a burden. A home {home}, a scooter to get to work {bike}, a phone for the job {phone}, a credit card for the hospital bill {card}, and a gold pledge with the bank {gold}. Each one made sense. Together, they became five due dates and one salary. freeeme brings every loan into one place, so your family can carry it together and let go of them, one by one {star}.

9:41

Let’s lighten
the load.

Home loan · Feb 2032
Scooter · Mar 2028
Phone · Aug 2027
Card · Apr 2028
Gold · Jul 2028
+

Estimated freedom · Feb 2032

HomeSummaryMoney jars

Every loan, in one hand.

Each loan becomes a balloon on your home screen, with the month it ends right beside it. See what’s left, pay a little more, and when one is done, let it go.

Inside the app

Do more with every EMI.

freeeme tells you what each loan really costs, which one to clear first, and how much sooner you’re free if you pay a little extra. Every month, a bit lighter.

  1. Tap a balloon, see what’s left.

    Every loan opens to its balance, its last month and what it costs you in interest.

  2. Your freedom date, in plain numbers.

    How much is paid, what’s still to go, and the exact month the last loan ends.

  3. Ready for the big yearly bills.

    School fees, insurance, the flight home. A little in a jar each month, so no bill turns into a new loan.

9:41

Let’s lighten
the load.

Home loan

SBI Home Loans

Ends Feb 2032

64 months to go

Every month₹21,500

Still to pay₹14,80,000

Interest8.5% a year

Duethe 5th of each month

Mark this month paid

EditChange balloon

Priya, you’ll be debt-free in

Feb 2032

That is 5 years 4 months from now.

You have already paid back 23% of your loans.

PAID₹5,86,000

STILL TO PAY₹19,62,000

TOTAL₹25,48,000

YOU PAY EACH MONTH₹37,7003 of 5 paid this month
INTEREST STILL TO PAY₹4,12,000

YOUR LOANS (5)

PhoneAug 2027

₹21,000 left · ₹2,500/monthPaid ✓

ScooterMar 2028

₹54,000 left · ₹3,200/monthPaid ✓

Credit cardApr 2028

₹1,02,000 left · ₹6,000/monthDue

Gold loanJul 2028

₹1,05,000 left · ₹4,500/monthPaid ✓

MONEY JARS

Save little by little

Put ₹6,250 aside in October · 1 of 3 done

Health insurance₹12,000 of ₹20,000This month’s in ✓Due Mar

School fees₹18,000 of ₹50,000₹4,000 this monthDue Jun

Freeeme only keeps count. The money stays in your bank.

HomeSummaryMoney jars

Bit by bit

Small moves.
Real dates.

Your freedom date.

The exact month your last EMI ends, and every loan's own closing month along the way.

Money jars.

A little aside every month for the bills that come once a year, so none becomes a new loan.

Clear the right one first.

Smallest first for quick wins, or costliest first to pay less interest. You see both and pick.

Pay a little more.

Slide the extra and watch your date move, before you commit to anything.

Carry it together.

Share the plan with the people at home. One date, carried by everyone.

The full picture

A bank sees two loans.
The family carries six.

Credit reportSample

What lenders see

HOME LOANActive₹21,500
CREDIT CARDActive₹6,000
FAMILY LOANNot on record₹2,000
MONEYLENDERNot on record₹2,500
CHIT FUNDNot on record₹3,000
GOLD · PAWN SHOPNot on record₹1,500
Accounts on record2
Monthly obligations on record₹27,500
Not on record+₹0
What the family really pays₹27,500
Partial view
9:41

Every loan, in one place

₹27,500a month, all EMIs

YOUR LOANS (2)

Home loan₹21,500

Bank · ₹14,80,000 left

Credit card₹6,000

Bank · ₹1,02,000 left

From Chithappa₹2,000

Family · ₹30,000 leftNot on any report

Moneylender₹2,500

Local · ₹40,000 leftNot on any report

Chit fund₹3,000

Monthly contributionNot on any report

Gold with pawnbroker₹1,500

Local · ₹60,000 leftNot on any report

34%

of rural household debt in India is owed to moneylenders, relatives and friends. None of it appears on a credit report.

Source: NSO, All India Debt & Investment Survey 2019 ↗

Goals

What's waiting when
the EMIs stop.

Pin your family's goals in freeeme. Each one fills with colour as the months get paid.

Our mission

Help every Indian household get out of debt, together.

freeeme is the operating system for household debt in India: one private place to see every loan, plan together, and know your debt-free date.

Read Our Manifesto

Why now

India borrows more than ever.
Nobody helps families get out.

Families carry more loans than before, mostly for everyday things, and every app around them is built to lend a little more. That is the moment freeeme is built for.

1 · Families owe more

0%

Household debt is now 45.5% of India's GDP, higher than its five-year average of 42.9%.

2 · Mostly everyday borrowing

Of every ₹100 families borrow, ₹58 is not for a home: it's phones, cards, vehicles, gold and personal loans.

3 · Every app wants you to borrow

Dozens of apps help families borrow more. freeeme is the one built to help them get out.

Source: Reserve Bank of India, Financial Stability Report, June 2026. Household debt as of March 2026; non-housing retail loans were 58.4% of household borrowing.

Privacy

Private by design.

What your family owes is nobody else’s business. We never sell your data and never show you loan ads. Read our privacy policy and terms & conditions.

No bank logins

We never ask for
bank passwords.

Read how

FAQ

Questions, answered.

Something else on your mind? Try the free financial health checkup, or read why we built freeeme.

What is freeeme?

A private planner for family loans. You add every loan your household carries, from the home loan to money from a relative, and freeeme shows the exact month you'll be debt-free and the quickest way to get there.

Is freeeme a lender?

No. freeeme never lends money, never shows loan offers and never earns when you borrow. It exists to help your family close the loans you already have.

Do I need to connect my bank?

No. You add your loans yourself in about two minutes. freeeme never asks for net-banking, card or UPI passwords.

How does freeeme work out my debt-free date?

It uses what's left on each loan, the interest rate and the EMI, and runs the numbers month by month. As each loan closes, its EMI moves to the next one. You can also see how much sooner you'd be free by paying a little extra.

Who in my family can see my loans?

Only the loans you choose to share. Every loan is "Only me" until you share it with your family plan. Money jars and health checkups are always private to you.

What is the financial health checkup?

A free two-minute check of your salary, spending, savings and loans: a score out of 100, what it means, and the months your loans close in two different orders. It's plain maths, not AI, and not advice. You can try it on the web without an account.

Where is my data kept?

On your phone, encrypted. If you sign in or share a family plan, also on our servers in Mumbai, India, encrypted. We never sell it.

Which languages does freeeme speak?

English, Tamil, Hindi and Malayalam.

Can I delete my data?

Yes. From "Your data & privacy" in the app you can download everything we hold, or delete it all, on your phone and on our servers.

What does it cost?

freeeme is free to start.

Get freeeme

Get a clear view of every loan.

Add your loans in two minutes and see the exact month your family will be debt-free. Free to start.

Download on theApp Store Get it onGoogle Play

Launching soon on iPhone and Android.