debt health calculator -

Built for MSMEs & Small Businesses

BusinessZindagi Debt Health Manager

Track your business debt, understand your borrowing pressure, and create a practical plan to reduce it.

Your figures are used only to calculate results on this page. Nothing is stored on our servers or sent externally. Saved plans (if used) stay only in this browser.

1 Business Snapshot

Enter key figures for the last 12 months. This helps calculate debt pressure and cash buffer.

Annual Business Revenue / Sales (₹) * Last 12 months turnover

Annual Operating Expenses (₹) * Exclude interest & principal repayments

Current Cash / Bank Balance (₹)

Outstanding Customer Receivables (₹)

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Debt Health Score

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Indicative BusinessZindagi planning score — not a credit rating

What is affecting your score?

Key Metrics

DSCR is calculated as (Revenue − Operating Expenses) ÷ Annual Debt Service. This is a simplified planning estimate; actual lender methods may differ.

Debt Breakdown

Which Debt Should You Focus On First?

Default ranking uses the Debt Avalanche approach (highest interest first). You may choose a different strategy based on cash-flow needs and lender terms.

Avalanche (highest interest first) Snowball (smallest balance first)

Build Your Debt Reduction Plan

How much extra can your business pay toward debt each month?

Extra monthly payment (₹)

12-Month Debt Reduction Roadmap

What If Your Sales Fall?

Planning scenarios only — not predictions. See how debt pressure changes if sales decline.

What If I Take Another Loan?

Simulate the impact of an additional loan. Results are indicative only.

Proposed Loan Amount (₹)

Interest Rate (%)

Tenure (months)

Processing fee (₹, optional)

Smart Recommendations

What should you do next?

Want to improve your business finances?

Explore more free BusinessZindagi tools and practical MSME guides.

debt health calculator