Multi-Loan Dashboard
Manage home, personal, and vehicle loans in one clean dashboard with real-time repayment progress.
Your personal loan strategy companion
Save Lakhs on
Your Loan Interest
Track all your loans in one place, simulate prepayments, compare strategies and make smarter financial decisions — toward faster debt freedom.
Interest Saved
₹81.58L
Tenure Reduced
46 Months
Features
Everything you need to
Everything you need to
master your loans
Powerful tools designed for borrowers who want to save money and pay off loans faster.
Prepayment Simulator
Test one-time or recurring prepayments to see tenure reduction and total interest savings instantly.
EMI Change Analysis
See how increasing or lowering EMI affects payoff timelines and long-term financial goals.
ROI Change Tracking
Model floating rate changes and explore their effect on EMI, principal, and repayment duration.
Scenario Comparison
Compare strategies side-by-side to choose the most efficient path for your monthly budget.
Reports & Insights
Export practical summaries and get AI-backed guidance for confident, data-driven decisions.
How It Works
Start saving in 3 simple steps
01
Add Your Loans
Enter your loan details — amount, rate, tenure, and EMI. Credgy supports home loans, personal loans, car loans, and more.
02
Run Simulations
Test prepayments, EMI changes, and rate adjustments. See exactly how each scenario impacts your loan timeline and total cost.
03
Compare & Act
Compare outcomes side-by-side, pick the best strategy, and execute with confidence. Track progress as you pay off debt faster.
Why Trust Credgy
Built with privacy & transparency
Built in India
Designed for Indian borrowers
Privacy First
End-to-end encryption
No Bank Login
We never ask for bank credentials
No Ads
Clean, distraction-free experience
OTP Only
Secure, passwordless login
MSME Registered
Legitimate Indian business
About Credgy
Built for Indian Borrowers
Credgy is a modern loan management and optimization platform built in India. We help borrowers make smarter decisions about their loans and become debt-free faster.
- Track all loans in one dashboard
- Understand where your interest goes
- Simulate prepayments & EMI changes
- Compare strategies side-by-side
- Get AI-powered smart tips
- Become debt-free years earlier
See It In Action
Designed for clarity & control
Every screen is built to help you make better loan decisions.
Home Dashboard
All Your Loans
Loan Overview
Compare Strategies
Smart Tips
EMI Change Impact
Prepayment Impact
What-If Scenarios
Smart Savings
See how much you can save with Credgy
A small prepayment today can save you lakhs in interest over the loan tenure. Credgy shows you exactly how.
Without Credgy
Total Interest Paid
₹44,31,000
Loan Tenure
20 Years
With Credgy Strategy
Total Interest Paid
₹30,17,000
Loan Tenure
14.5 Years
You Save ₹14,14,000
Based on ₹50L home loan at 8.5% with ₹10,000/month extra prepayment
FAQ
Frequently asked questions
What types of loans can I manage with Credgy?
Credgy supports all types of amortizing loans — home loans, personal loans, car loans, education loans, and more. You can add multiple loans and manage them all from a single dashboard.
How does the prepayment simulator work?
Enter a one-time or recurring prepayment amount and Credgy instantly calculates how it impacts your tenure, total interest, and monthly EMI. You can compare multiple prepayment strategies side-by-side.
Is my financial data safe with Credgy?
Absolutely. Credgy uses end-to-end encryption and does not share your data with any third parties. Your loan information stays private and secure on your device and our encrypted servers.
Can I simulate interest rate changes?
Yes! The ROI Change Tracker lets you model floating rate adjustments and see their effect on your EMI, outstanding principal, and loan duration — so you're always prepared.
Is the app free to use?
Credgy offers a generous free tier with essential features. Premium features like advanced simulations and AI insights are available with an affordable subscription.
How accurate are the loan calculations?
Credgy uses industry-standard amortization formulas that match exactly what banks use. Our calculations are precise down to the rupee.
Credgy Blog
Understand rates, EMI, and smarter loan planning
Practical explainers for Indian borrowers who want better financial decisions.
What is Repo Rate, and why banks charge a different ROI?
A complete breakdown of repo rate transmission, spread, reset cycles, and how floating-rate borrowers can plan ahead.
Read ArticleBest way to plan financials: EMI affordability and debt-to-income ratio
Build a practical monthly framework for EMI limits, emergency buffers, and debt-to-income targets before you commit.
Read ArticleStart saving on your loans today
Download Credgy and discover how much interest you can save with smart repayment strategies.
Download on Google Play
Trust & Transparency