UB2 Finance

UB2 Finance is your all-in-one personal finance companion, built specifically for India — track spending, plan investments, manage debt, and calculate everything from EMIs to income tax, all in one app. WHY UB2 FINANCE? Most finance apps do one thing. UB2 Finance brings expense tracking, investment planning, and 17+ financial calculators together, so you're not juggling five different apps to understand your money. KEY FEATURES Expense Tracking - Log transactions in seconds with a fast custom keypad - View spending by Daily, Weekly, Monthly, Yearly, or custom date range - Break down spending by 16 categories - 9 asset categories for a complete Net Worth picture (Cash, Investments, Real Estate, Gold, Stocks, Crypto, Fixed Deposits, Business, and more) Financial Health Score - A real 0-100 score built from your Savings Rate, Emergency Fund, Debt Ratio, and Investment Ratio - Know exactly where you stand, not just what you spent Goals & Debt Payoff - Set and track multiple savings goals with automatic monthly SIP suggestions - Debt Snowball vs. Avalanche comparison — see exactly how much time and interest you save with either strategy Bills & Subscriptions - Never miss a payment with a Bills calendar (Overdue, This Week, Later, Upcoming) - Track all your subscriptions (Netflix, Amazon, Swiggy, and more) with monthly/yearly cost breakdowns 17+ Financial Calculators SIP, Lumpsum, FD, RD, PPF, NPS, EMI, Loan Comparison, Income Tax Regime Comparison, Retirement Planning, Insurance, Prepayment Simulator, What-If Simulator, Stocks, Gold, Bonds, and more — all in one place, no need to search the web for a dozen separate calculators. Net Worth Tracking - Log and edit your assets across 9 categories - Watch your net worth grow over time with a real trend chart Reports - Real spending analysis pulled from your actual transaction data - Month-by-month category breakdowns, not static numbers Security & Privacy - Biometric app lock — your financial data stays yours - Full data backup and export whenever you want it - Complete account deletion available anytime, right from Settings Meet Whizzy Our resident financial owl gives you sharp, data-driven observations — not generic tips. Whizzy looks at your actual numbers and tells you what they mean. BUILT FOR INDIA Every calculator, every tax comparison, every planning tool is designed around Indian financial products and regulations — SIPs, PPF, NPS, Indian income tax regimes, and more. UB2 Finance is developed by UB2 Studio, an independent app studio based in Mumbai. We build tools we'd actually want to use ourselves. Have feedback or a feature request? Reach us anytime at [email protected].