Unyfy pricing: what is free, what Pro adds, who pays

The free tier is the diagnosis. It reads bank and card transaction emails and, on Android, transactional SMS, so there is nothing to type in. From those it flags a loan priced above what the same borrower would be offered today and says whether switching is worth it once the fee is paid. It matches your category spending against 605 Indian credit cards from 32 issuers, filtered by income. And it opens a voucher store. None of it waits for you to take a product.

Pro costs ₹99 a month: ₹1,188 a year, ₹2,376 over two years, ₹3,564 over three. The addition confirmed for this page is the forward view. The Fixed Expenses screen on Pro predicts what the coming month is already committed to, the EMIs, SIPs, rent, bills, subscriptions and card bill, with what is paid and what is left so far this month, and its Subscriptions list shows each recurring subscription with its amount and whether it is due or paid. On the free tier, that screen shows as Unlock Fixed Expenses. The plan screen inside the app lists what Pro includes on the day you subscribe. Judge it on that list and against your own accounts, not on how long the list is.

Finance apps are paid in three broad ways, and many mix them. The payer tells you where the conflict sits, and there is one in every model.

Free with advertising means the product being sold is your attention and, often, what the app can infer about you from your money. Free with lending commissions means a bank or NBFC pays the app when you take its loan or card; the rate and fee are set by the lender, and the conflict is in which offer gets shown and how. A subscription makes you the customer, and the conflict is quieter: the app has a reason to look busy, adding things that justify renewal rather than things that save you money.

Three sources, all disclosed. When you take a personal loan, a consolidation loan or a credit card through the app, the bank, NBFC or card issuer pays a commission. Loan and consolidation offers come from 15+ banks and NBFCs. Before any application, the eligibility check pulls your Equifax credit report as a soft enquiry, which does not affect your score, and shows the score with the accounts behind it, overdue, settled or written-off ones included. Only the one lender you choose to apply with runs a hard enquiry. When you buy a discounted merchant voucher, the app earns a margin on the sale. And Pro is ₹99 a month.

The voucher side is the easiest to price for yourself. The discount is typically around 7.5 percent and varies by brand; it is not fixed and not promised. On ₹3,000 a month spent at brands where you would shop anyway, that is ₹225 a month and ₹2,700 a year, 2.27 times what Pro costs, from the free voucher store. A single ₹2,000 voucher at that discount saves ₹150. The comparison that matters to you is the voucher price against the price at the till; the margin is the other side of that trade.

The card side deserves the same scrutiny as a loan. Matching runs across 605 cards from 32 issuers against what you actually spend by category, and it is filtered by income, so it does not show cards whose income criteria you do not meet. The issuer pays when you take a card, which is why the useful question is whether the matching ever tells you that the card you already hold is the right one.

Take a ₹3 lakh personal loan with 30 months left at an illustrative 16 percent. An offer arrives at an illustrative 12.5 percent with a 2 percent processing fee, which is ₹7,080 once 18 percent GST is added. The EMI falls by ₹504, from ₹12,199 to ₹11,695. Interest over the remaining term falls from ₹65,959 to ₹50,860, and after the fee the switch is ₹8,019 ahead. Now change one thing at a time and watch the answer turn.

This is the reason the diagnosis is free and not gated behind a recommendation. If the only way to learn that the second and third switches below lose money were to accept an offer first, the app would be selling, not diagnosing.

Take a ₹179 monthly mandate that kept charging for 7 months after you stopped using the service. It has already taken ₹1,253, which does not come back by cancelling. Stopped now, it saves ₹2,148 over the next year: 1.81 times Pro's ₹1,188, or 21.7 months of Pro. A ₹49 mandate saves ₹588 a year, ₹600 short of Pro. The break-even is plain: a finding worth ₹99 a month pays for Pro on its own.

On Pro, a charge like either one shows up in the Fixed Expenses Subscriptions list, with its amount, whether this month's payment is due or paid, how often it is paid and its past months' payments. The loan above is a different case: the ₹8,019 switch comes from the loan check, not from Pro, so although it is 6.75 times Pro's yearly price, none of it is Pro's to claim.

The case for Pro rests on the forward view. Suppose an annual ₹36,000 premium lands in a month that has ₹16,000 of room after the usual EMIs and bills. The month is ₹20,000 short. If that ₹20,000 of the card bill is carried into the next cycle, at an illustrative 3.5 percent a month plus 18 percent GST on the interest, 4.13 percent a month in effect, it costs about ₹826. Two such months in a year cost ₹1,652, which is ₹464 more than Pro. One costs ₹362 less than Pro.

So the break-even is roughly ₹28,765 of shortfall carried on a card for one month a year, or 1.44 of those ₹20,000 months. A cycle full of lumpy payments you tend to forget, annual premiums, school fees, a yearly renewal, crosses that line without trying. A month that looks the same as the last one never does.

One thing the forward view is not is a reminder. The app sends no reminders; it shows the coming month's commitments when you open it. The value depends on looking, and on putting money in place before the debit.

Pro is the wrong purchase for more people than a pricing page usually admits. Three years of it with nothing found or prevented is ₹3,564. Run the free diagnosis first and skip Pro if one of these describes you.

It earns its price in the opposite case: several EMIs and premiums on different cycles, annual payments that have caught you out before, or a record of short months ending up on a card. There, preventing about one and a half card-carried months a year covers it.

This page's question is what money is leaving without a decision, and whether a switch or a subscription actually changes that. Two capabilities answer it. The loan check flags a loan priced above what you would be offered today and shows, with the processing fee counted, whether switching ends ahead or behind, as in the three cases above. On Pro, the Fixed Expenses screen predicts next month's committed outflows, with what is paid and what is left so far this month, and its Subscriptions list shows each recurring subscription with its amount and whether it is due or paid; each one's detail shows how often it is paid, its usual payment days and its past months' payments.

It works from bank and card transaction emails and, on Android, transactional SMS, with UPI handles matched to merchant names from a database of about 10,000 entries, and a debit seen in both channels is counted once. It never asks for your bank password or UPI PIN, and every payment is one you authorise. You cancel a mandate in the UPI app that set it up, or with your bank for NACH. Install Unyfy on Android, or use the web app at app.unyfy.co.in on an iPhone.