Smarter Debt Management.
Smarter Investments.
Balncy leverages AI to deliver personalized debt-saving strategies and intelligent investment suggestions, helping you optimize your finances effortlessly.
Are You Making These Costly Financial Mistakes?
Millions of Indians are trapped in debt cycles, missing investment opportunities, and losing thousands annually due to poor financial coordination.
Struggling with Multiple EMIs
Real scenario:
Rohit has 2 personal loans, a home loan, and a car loan. He pays ₹35,000/month in EMIs, but his outstanding debt is barely decreasing.
Missing Investment Opportunities
Real scenario:
Anita focuses only on repaying debts and ignores her SIPs and employer Provident Fund contributions.
No Clear Financial Strategy
Real scenario:
Vikram switches between debt repayment methods and random investments without a clear plan, unsure if he is maximizing savings.
Why Choose Balncy for Your Financial Journey
We're building a comprehensive debt management platform that helps you take control of your finances with smart tools and clear insights
Time-Saving Tools
Automated debt tracking and payment scheduling
Interest Calculator
See exactly how much interest you can save
Investment Guidance
Learn when to invest while paying off debt
Goal Setting
Set realistic financial milestones and track progress
Smart Suggestions
Get personalized tips based on your debt profile
Secure Platform
Your financial data stays private and protected
Quick Setup
Get started with your debt plan in minutes
All-in-One Dashboard
View all your debts and progress in one place
AI-powered Debt Management
Advanced algorithms analyze your spending patterns and debt structure to create personalized payoff strategies that save you thousands.
Smart Investment Recommendations
Get AI-driven investment suggestions tailored to your risk profile and financial goals while you pay down debt efficiently.
Data Security
Your financial data is protected with the same security standards used by major banks.
Personalized Experience
Every recommendation is tailored to your unique financial situation and goals.
Everything You Need to Succeed Financially
Balancy combines powerful debt management with intelligent investment planning to give you complete control over your financial future.
Track & Reduce Debt
Smart debt tracking with personalized payoff strategies to eliminate debt faster.
Investment Planning
Create personalized investment portfolios based on your risk tolerance and goals.
Financial Insights
Get AI-powered recommendations and insights to optimize your financial decisions.
Secure & Private
Bank-level security ensures your financial data is always protected and private.
Intuitive Interface
Clean, user-friendly design that makes financial management effortless.
Goal Achievement
Set and track financial goals with visual progress indicators and milestones.
How It Works
Get started in three simple steps and transform your financial future
Add Your Debts & Investments
Connect your accounts or manually input your financial information. Our secure platform handles everything with bank-level encryption.
Get Expert Recommendations
Our AI analyzes your financial situation and provides personalized strategies for debt payoff and investment opportunities.
Track Progress & Reach Goals
Monitor your progress with beautiful dashboards and celebrate milestones as you achieve your financial objectives.
Be Among the First to Experience Financial Freedom
Join our early access list and enjoy exclusive benefits when Balancy launches.
Free Premium Access
3 months of premium features at no cost
Priority Support
Direct access to our financial experts
Exclusive Content
Weekly financial tips and market insights
Our Mission
"We're building a platform to help people take control of their debt, understand their financial options, and make informed decisions about their money."
Expected launch date
Focus on user experience
Committed to development
We're in development: Balncy is currently being built by a dedicated team focused on creating tools that actually help people manage their finances. Early access members will help us test features and shape the product to ensure it meets real user needs.
Join our journey to build something meaningful for your financial future
Frequently Asked Questions
Everything you need to know about Balncy and our development journey
Balncy is a debt management platform we're building to help you organize your debts, track payments, and create realistic payoff plans. We'll provide tools to calculate interest savings, set financial goals, and track your progress over time.
Still have questions?