Netcredit

Understand your debt commitments before making your next financial decision. Netcredit is a personal tool for reviewing debt load, recurring payments, and the money left after essential expenses. Enter monthly income, mandatory expenses, and payments for your existing obligations to build a clear picture of your budget.

Netcredit calculates your debt-to-income ratio, or DTI, and shows whether your current position is Comfortable, Strained, or Critical. The visual barometer reacts whenever you edit an amount, add a payment, or update your income. You can also review free balance, safety reserve, and how long that reserve could cover a monthly shortfall or a complete loss of income.

Use Netcredit to explore possible changes before adding them to your real budget. Stress Lab can simulate an income reduction, a floating-rate increase, the loss of side income, an expense spike, or a planned installment purchase. Each result compares the baseline with the stressed budget and displays changes in DTI, free balance, risk zone, and reserve runway.

With Netcredit, you can save multiple scenarios, compare up to three at once, and identify which change would place the most pressure on your finances. Floating-rate estimates use the outstanding balance, annual rate, and remaining term to calculate an adjusted monthly payment. Results are estimates intended for personal planning.

Netcredit also provides monthly history. Capture a snapshot of income, expenses, payments, DTI, free balance, reserve, and risk level. Charts make it easier to review changes over six months, twelve months, or your complete history. Financial notes let you record goals, plans, warnings, and ideas, with optional links to a month or scenario.

All Netcredit data remains on your device. The app works offline, requires no account, does not connect to banks, and does not upload your financial records to a server or cloud service. You can select a display currency, switch between English and Ukrainian, and use in-app reminders to review payments, monthly snapshots, and saved stress tests.

Netcredit is a budgeting and debt-analysis utility. It does not provide loans or credit products, accept applications, make approval decisions, transfer money, connect users with lenders, or provide financial advice. Calculations and projections are informational estimates for personal self-assessment and should not be treated as an offer or guarantee of credit terms.