Stop losing money
without realizing it.
Unyfy finds the silent leaks in your money: the subscriptions, fees and loan interest you never decided on. No spreadsheets. No jargon. Just clear answers.
Your personal AI CFO working silently in the background.
Stop reading dashboards.
Just ask.
Unyfy AI is the first finance assistant in India that works on your real bank, card and UPI data. Ask anything. Get answers, not charts.
Save on every purchase, at brands you already use
Buy a discounted gift voucher for Amazon, Swiggy, Zepto, Myntra, Zomato and hundreds more, pay with it, and keep the difference. Available on the web with no account needed, or inside the app.
Digital gift vouchers are issued by respective brands. Discounts and availability vary by partner.
You're already paying for this. You just can't see it yet.
The rewards a card did not pay, the subscription nobody uses, the fee nobody noticed: none of it shows up as overspending, so a monthly total never reveals it. Unyfy reads the terms, not just the totals.
Rewards you missed
Spending patterns
Better card recommendations
Fixed expense forecast
How Unyfy puts money back in your pocket
Four AI-powered layers working silently in the background.
See exactly where your money goes
Unyfy quietly reads your bank and card alerts by email and, on Android, SMS. Every UPI, debit and credit card spend is captured, categorised and ranked, with no manual entry, so you can see what is worth it and what is not.
- Daily spend, category breakdown and top merchants
- The brands you spend most at, and the refunds each one sent back
- Spending patterns that show the habits behind the totals
Know what next month already owes
Your EMIs, SIPs, rent, bills, subscriptions and card bill repeat on a cycle. With Pro, Unyfy predicts next month's committed outflows, shows what is paid and what is left so far this month, and lists each subscription with its amount and whether it is due or paid, so you know what is really yours to spend. Planning a trip or an event? Track its spend on its own, with a breakdown.
- Next month's fixed expenses, predicted, with paid and left this month (Pro)
- Each subscription with its amount and Due or Paid status (Pro)
- Trip and event spend tracking with category totals (free)
A personal CA in your pocket
Ask Unyfy AI anything about your money. "Where did my salary go?" "Should I prepay my loan?" "Which SIP is underperforming?" It answers from your own transactions, not generic advice you would find on Google.
- Specialist agents for spends, cards, investments and goals
- Free to try; unlimited questions and voice on Pro
- Actionable next steps, not jargon
Is your card paying you what it should?
Most people use the same card for everything and never check what it returned. Unyfy matches your actual category spending against 605 Indian credit cards from 32 issuers, shows the rewards your current cards missed, and lets you apply for the one that fits your spending and income.
- Rewards your existing cards missed, by category
- Cards you qualify for, compared on your own spend
- Pay your card bills and read your statement in one place
- Vouchers at around 7.5% off, up to 30% with Pro, varying by brand
Are you overpaying on your loan?
A loan taken a while ago is often priced above what you would be offered today. Unyfy checks your eligibility with a soft Equifax enquiry that does not affect your score, compares offers from 15+ banks and NBFCs, and tells you whether switching is worth it after the fee.
- Soft credit check: no score impact
- Your score and every account behind it
- Switch only when the saving survives the fees
Track and grow what you already earn
Salary, refunds, dividends, mutual funds, SIPs, stocks and FDs, seen from your transactions in one view. When you are ready to invest more, buy bonds through Grip or 24K digital gold through SafeGold inside the app, as payments you authorise.
- Dividends and income split by source
- Mutual funds, SIPs, stocks and FDs from your transactions
- Bonds via Grip and digital gold via SafeGold
Your money has more to tell you.
Install Unyfy and uncover savings hidden in plain sight.
No bank password • No UPI PIN • No spam
Your money lives in too many places. Unyfy brings it together.
Most of us juggle 3 to 4 bank accounts, a couple of credit cards, UPI on two apps, an active loan or EMI, a SIP, and a few subscriptions we forgot about. Tracking it manually is exhausting, and no single bank app shows the full picture.
Unyfy reads the alerts you already get and stitches everything together: spends, bills, rewards and investments, all in one view. One app, one truth, zero spreadsheets.
| Feature | Free | Premium₹99/monthMost loved |
|---|---|---|
| Transaction history scanned | 6 months (subject to availability) | 12–24 months (subject to availability) |
| Credit cards you're eligible for | ✓ | ✓ |
| Personal loans | ✓ | ✓ |
| Optimised savings & voucher store | ✓ | ✓ |
| Simplified credit card statement (merchant, brand & category) | ✓ | ✓ |
| Pay your credit card bills | ✓ | ✓ |
| Identify hidden charges | ✓ | ✓ |
| Credit score | One-time pull at signup | Refreshed twice a month |
| Credit score insights & improvement tips | - | Monthly |
| AI assistant on your data | Free to try | Unlimited, with voice |
| Extra discount on vouchers | - | Up to 30%, varies by brand |
| Fixed-expense prediction | - | ✓ |
| Pay fixed expenses from the app (nothing gets missed) | - | ✓ |
| Trip & event spend tracker | ✓ | ✓ |
| Dispute charges (credit card / bank account) | ✓ | ✓ |
Free
₹0
- • 6 months of transaction history (subject to availability)
- • Credit cards you're eligible for
- • Personal loans
- • Optimised savings & voucher store
- • Simplified credit card statement (merchant, brand & category)
- • Pay your credit card bills
- • Identify hidden charges
- • Trip & event spend tracker
- • Dispute charges on credit card or bank account
- • Credit score (one-time pull at signup)
Premium
₹99/month
- • Everything in Free
- • 12–24 months of transaction history
- • Credit score refreshed twice a month
- • Monthly credit score insights & improvement tips
- • Unlimited AI questions and voice on your own data
- • Extra voucher discount, up to 30% (varies by brand)
- • Fixed-expense prediction
- • Pay fixed expenses from the app, so nothing gets missed
Still have questions?
No jargon, no fine print. Just straight answers on pricing, privacy, and how Unyfy works.
