PayOffPath
Available on Google PlayAndroid
Organize your debts, compare payoff strategies, and see how extra payments can change your debt-free timeline.
Independent software studio · Bengaluru
Software that respects people.
SoftQuill Labs makes calm, private apps, publishes free guides and calculators with numbers you can check, and builds apps and websites for clients.
Try our invoice-to-Excel and supplier catalog tools . Five files or pages a day free, no signup.
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Offline-first apps for money and daily life, for Android and the web.
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Free, fully worked guides on loans, credit and the Vedic calendar.
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Free loan calculators
Prepayment savings, true interest rates and more, with the working shown.
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Latest guides
Written and signed by Raman Patel. Every table shows its assumptions.
Tradition · 6 min read
Dev Uthani Ekadashi 2026 (Prabodhini): Date, Meaning, Tulsi Vivah and Parana
Four months after Devshayani Ekadashi, Dev Uthani (Prabodhini) Ekadashi marks Lord Vishnu's awakening and the end of Chaturmas. In 2026 most Indian panchangs list it on Friday 20 November, with some Vaishnava calendars on the 21st.
Money · 7 min read
Flat Rate vs Reducing Balance: Why a 'Flat 6%' Car Loan Costs About 11%
A flat rate charges interest on the full loan for the whole tenure, even as you repay it. That one detail roughly doubles the true rate. Here is how to convert any flat offer into a number you can compare.
Money · 7 min read
No-Cost EMI Explained: What a ₹60,000 Phone Really Costs on 6 Months
The interest on a no-cost EMI is real; the seller just pays it for you. What you still pay is the GST on that interest, a processing fee, and sometimes a discount you gave up without noticing.
Money · 7 min read
Rent vs Buy a Flat in India: The Break-Even Maths Over 15 Years
Instead of asking whether buying is 'better', ask what has to be true for it to win. For an ₹80 lakh flat, the answer is a specific annual price growth, and it depends on what you do with the money you did not spend.
Tradition · 5 min read
Rama Ekadashi 2026: Date, Parana Time, Story and Rules
Rama Ekadashi is the last Ekadashi before Diwali, and is named after Lakshmi. In 2026 the fast is on Thursday 5 November, and the Parana window the next morning is short: Dwadashi ends at 10:30 AM.
Tradition · 6 min read
Ekadashi 2026 and 2027 Calendar: Every Date, Name and Paksha
Every Ekadashi in 2026 and 2027, with a live countdown to the next one. Filter by major fasts or paksha, see the popular names such as Dev Uthani and Bhimseni, and add the whole year to your phone calendar in one tap.
Apps
From the studio
We build focused consumer applications that keep useful things simple: local-first, privacy-conscious, deterministic, and designed to remain useful without unnecessary cloud dependency.
Ekadashi Companion
Available on Google PlayAndroid
Calculate exact location-based Ekadashi fasting dates, Parana time windows, and astronomical Tithi transitions for Vaishnava and Smarta devotees worldwide.
BuilderBell
Dedicated Web Hub & Android AppAndroidWeb
Pings you the minute a builder, lab or pet house frees up for every Clash of Clans village you play, and shows how far each village is from max.
Rise
In DevelopmentAndroid
A wake-up alarm for heavy sleepers. Finish a mission such as math, shaking, squats, walking, a barcode scan or an NFC tap to switch it off.
BoxFind
In DevelopmentAndroid
Put a QR label on every box, list what is inside, then scan the label or search to find anything in seconds. Made for moving house, attics, garages and storage units.
The next app is on the workbench
More focused Android and web apps are in development, following the same local-first, privacy-conscious principles.
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Try the math yourself
Same model we use in our home loan guide. Open the full calculator · All calculators
Home loan prepayment calculator
Prepayment strategy
Monthly EMI —
Total interest saved——
How We Build
Principles of our software.
Our engineering practices prioritize user ownership and long-term utility over data extraction.
01 Local-First Architecture
Core user data remains stored on your physical device in isolated sandboxed storage. We treat offline capability as a first-class requirement.
02 Privacy by Design
No accounts, no data selling, and no servers holding your personal records. What you enter on your device belongs to you.
03 Deterministic Software
Calculations behave with consistent, reproducible mathematical logic that you can verify and trust, free from opaque remote systems.
04 Durable Utilities
We build focused tools designed to remain genuinely useful over years without forced account walls, unnecessary cloud dependencies, or fragile APIs.
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