Unyfy

Unyfy is an AI-powered personal finance app for India that brings your spending, income, loans, credit cards, investments and assets into one place. Automatically track your expenses from bank SMS, email alerts and statements. Understand what you owe, what you own, where your money is going and where you could potentially save. No manual entry. No bank password. No UPI PIN. TRACK YOUR MONEY AUTOMATICALLY - UPI payments, debit and credit card spends, NACH and UPI AutoPay debits, and transfers in one clear view - UPI handles matched to real merchant names using a database of 10,000+ merchants - The same transaction received through SMS and email is counted once - Upload supported bank statement PDFs to fill gaps in your financial history KNOW WHAT NEXT MONTH ALREADY OWES - Predict recurring EMIs, insurance premiums and regular bills before they leave your account - See how much of your income is already committed - Understand what you actually have available to spend FIND MONEY YOU MAY BE LOSING - Identify forgotten subscriptions that are still charging you - Find UPI AutoPay and NACH mandates you may no longer need - Spot duplicate charges - When your salary increases, see how much of the increase remains unallocated UNDERSTAND YOUR LOANS - Check loan eligibility with a soft credit check on your Equifax report - See your credit score and the accounts contributing to it - Review overdue, settled or written-off accounts - Compare personal loan and debt-consolidation offers from 15+ banks and NBFCs - Understand your existing loans, blended interest rate and FOIR - Identify loans that may be worth reviewing based on available alternatives and associated costs OPTIMISE YOUR CREDIT CARDS - Match your actual spending patterns against 605+ Indian credit cards from 32 issuers - See cards you may qualify for based on your income - Understand whether your card's annual fee is delivering enough value - Find opportunities to earn better rewards based on how you actually spend TRACK YOUR INVESTMENTS & ASSETS Your financial life isn't only about expenses. Bring your assets and investments into the same financial picture as your income, spending and liabilities. - Mutual Funds - Fixed Deposits - Bonds - Gold - Track your assets alongside your loans and other financial commitments - Understand your overall financial position in one place DIGITAL GOLD - Buy, sell and start an SIP in 24K, 99.9% pure digital gold through SafeGold - Move a visible monthly surplus into gold through a payment you authorise SAVE AT BRANDS YOU ALREADY USE - Discover vouchers and offers from everyday brands - Discounts vary by brand and offer GET YOUR FINANCIAL DIAGNOSIS Unyfy looks beyond individual transactions to help you understand your financial health. See insights across: - Savings - Spending - EMI burden - Credit utilisation - Loans - Investments - Assets - Recurring commitments - Potential savings opportunities Instead of simply showing you what happened, Unyfy helps you understand what it could mean for your financial life. YOUR DATA. YOUR CONTROL. - Unyfy never asks for your net-banking password or UPI PIN - Unyfy cannot move money from your bank account on its own - SMS-based transaction tracking requires Android - On iPhone, use the web app at app.unyfy.co.in with supported email alerts and statements PRICING Automatic expense tracking and your financial diagnosis are free. Unyfy Pro: ₹99/month Unyfy may earn a commission when you choose a financial product through the platform and a margin on vouchers. Your financial diagnosis is not gated behind accepting a recommendation. Unyfy is not a lender and does not provide investment advice. Loan approval, interest rate and loan amount are determined by the respective lender. Made by Unyfy Technologies Private Limited, Bengaluru.