All names, balances, report facts and scores here are synthetic examples. Explore scenarios; create an account to save your own plan.

Your financial clarity

Plan a payment

Try what-ifs on your credit health, then check the cash-flow side of a payment.

Credit-health simulator

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Amount (PKR)

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Projected impact

Select one or more scenarios to see their combined effect.

Estimates from Savvy's transparent model: payment history 35%, utilisation 30%, history 15%, new credit 10%, mix 10%. Not a prediction of any bureau's score. Not financial advice.

Cash-flow planning

What if I pay down a balance?

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Balance reduction (PKR)

Known settlement charges (PKR)

Unknown fees are not assumed to be zero. Confirm them with the institution before acting.

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Your scenario

Remaining balance

PKR 100,000

Cash required including entered charges

PKR 20,000

Educational calculation from your inputs. No money moves; no credit score or lending decision is generated.

Try a lower-income month

Typical monthly net income (PKR)

Monthly essential expenses (PKR)

Remaining after this month's repayments

PKR 8,000

Scheduled repayments / net income: 20.00%

This is a budgeting ratio, not a universal bank approval threshold.