Cashflow Debt Management Concept

Challenge

Most individuals with multiple debts struggle with:

• Scattered information across different banking platforms

• Lack of visibility on total outstanding balances

• Manual tracking using notes or spreadsheets

• Missed payment dates and late fees

• No consolidated view of financial health

This creates confusion, stress, and poor financial habits.
Cashflow aimed to solve this by providing a single source of truth for all debt-related information and actions.

Goal

Design an app that helps users:

1. Track all loans, credit cards, and financing plans

2. Know exactly how much they owe each month

3. Make payments to multiple banks in one seamless interface

4. Build healthier financial habits with clarity and automation

Solution

1. Unified Debt Dashboard

A clean, at-a-glance summary of all outstanding balances, upcoming due dates, minimum payments, and total monthly obligations.
The goal: instant clarity.

2. Smart Payment Flow

Users can pay multiple debts from within the app, eliminating the need to jump across banking apps.
The flow prioritizes speed, accuracy, and security.

3. Automated Tracking & Reminders

The app monitors payment status, updates outstanding balances automatically, and sends scheduled reminders so users stay on track.

4. Debt Breakdown & Insights

Each debt is presented with:

• Principal amount

• Interest rate

• Remaining tenure

• Payment history

• Forecasted payoff timeline

This helps users make informed financial decisions.

Outcome

Cashflow transforms a fragmented, stressful financial process into a single, organized, and actionable system.
Users gain:

• Immediate visibility of all debts

• Fewer missed payments

• Less financial anxiety

• Better long-term planning habits

Cashflow positions itself not just as a tracking tool, but as a financial wellness companion.