One can actually track their EMI payments made against the loan tenure, track their CIBIL history and instead of paying multiple loans they can do debt consolidation again their existing loans, credit card bills and understand their assets and liabilities better to track their personal finances investments personal finance information diary should be a unique idea where everyone tracks it in multiple Apps or in their personal diary and we should make a digital one through this APP and use paypal link for making payments and also have option to get cash back offers Personal financial diary which maintains our financial records along start date, owner name, nominee name and 100% share, monthly, Quarterly, Annual payment due dates, reminder notification, link bank accounts to track fund availability Vs EMI presentation dates , Auto debit for Mutual funds, SIP, Insurance policy etc.