Know exactly what
your credit is
costing you.
Lendly reads your cards, EMIs and billing cycles as one system — then tells you, in plain language, how much room you actually have this month and which rupee to move first.
The problem
India borrows monthly, but plans yearly.
Instalments feel small. Together they quietly own a third of the take-home pay — and no app in the country shows that number honestly.
Balances carried across ~11 crore cards in force.
A record high — and rising faster than incomes.
Interest gets buried inside a monthly instalment.
Statement date is not the due date. Most plans break here.
Directional figures based on publicly reported RBI and industry data.
Inside the product
The numbers, before you type a single one.
A sample portfolio, modelled exactly the way Lendly models yours — runway, pressure, EMI burden and utilization per facility.
12-month cash-flow runway
Income vs EMI vs breathing roomCredit pressure
Sample portfolioMonthly EMI burden
Personal vs sponsoredUtilization by card
Live per facilityIllustrative data shown for preview. Your dashboard is built only from what you add.
What makes it different
A modelling engine, with a conversation on top.
Most trackers store what you type. Lendly derives it: instalments elapsed, interest still blocked, the cycle a due date belongs to, the score effect of a payment. The assistant only speaks from that engine — never from guesswork.
Start with one cardPressure, not just balances
A live 0–100 pressure score from utilization, EMI-to-income load and payment behaviour — so you feel the strain before the bill does.
Statement-aware calendar
Statement on the 25th, due on the 12th — Lendly rolls the cycle correctly, estimates the bill from real spends and shows the grace window.
EMI runway to the last rupee
Remaining instalments, interest included, payoff dates and the exact month each commitment frees up cash. Nothing typed twice.
Credit released as you pay
Every cleared instalment unblocks limit automatically, so available credit on each card actually matches your bank.
The roadmap
Learn. Manage. Grow.
One mission — make every Indian smarter with their money — shipped in three honest phases.
Learn
See the whole portfolio honestly: utilization, EMI burden, breathing room, payoff runway and a billing calendar that respects grace periods.
Manage
Home, auto, personal and gold loans alongside a budget engine that plans the month around what your debt already claims.
Grow
Automatic paydown routing, refinance signals, savings goals and a net-worth view — so surplus compounds instead of drifting.
Your credit, finally legible.
Add one card. Lendly derives the rest — runway, pressure, calendar and the next move.
Create your account