what comes in vs what goes out · how long your cushion lasts
Heads up
what needs your attention · and what's going right
Upcoming payments
everything due in the next 60 days · tap Pay when it's done
This month
Monthly rhythm
when money leaves your account each month · matched to your statement
Your loans
loans, gold, overdrafts & cards · tap a loan for its EMI schedule & history
Focus
where to look first · what moves you forward
Debt lab
Open one view when you want to go deeper.
Pay it off faster
try paying a little extra each month · see the interest you'd save
What your debt costs
interest is the price of borrowing · see how much you've already paid
Plan ahead
monthly pressure, card assumption and known loan endings
card ₹/mo
Debt-free path
You will receive
money to collect from friends, family and others
You need to repay
personal and informal debts outside your bank loans
Len-Den insights
cash movement, balance pressure and what to follow up
Investments & assets
property, deposits, stocks — keep values current
How to use EMIDesk
Start with a statement if you want the app to find EMIs automatically, or add items manually from the right tab.
Tip
Use Backup after updating data. Everything stays on this device unless you export it.
Restore your data
Pick your backup file (e.g. my-data.txt) or paste its contents.
Everything loads instantly and stays only on this device.
Clear everything & start fresh?
This permanently erases all your data on this device — loans, credit cards, gold, overdrafts, people, investments, reminders and settings. This cannot be undone.
⚠ Download a backup first so you can restore later if needed.
Add a loan
Give me the EMI plus any two of loan amount / tenure / rate — I'll calculate whatever's missing and build the full month-by-month schedule.
Import your transactions
🔒 Everything is read entirely on this device — nothing is ever uploaded.
I'll find recurring payments that look like EMIs and set them up for you.
One transaction per line. I'll auto-detect the date and amount — commas, tabs, or spaces all work.
Reading happens on your device and can take a few seconds. A tight, clear crop reads best.
Edit loan
Adjust any figure to match your latest statement. Saved locally in your browser.
Add credit card
Enter this month’s statement amount. Update it each month as new bills come in.
Edit gold loan
Loan against pledged gold. Interest accrues yearly and is due in the month you set.
Edit overdraft
Interest is charged monthly on the outstanding balance. Repay any amount, any day — it lowers your interest from then on.
Who owes you?
Add when you gave the money. Later, record every partial or full receipt.
Who do you owe?
Add when you borrowed the money. Later, record every partial or full repayment.