Stop losing money
without realizing it.
Unyfy finds the silent leaks in your money and helps you save ₹3,000 to ₹10,000 every month. 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 trained 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.
On average, our beta users discovered ₹18,400 in missed rewards and 9 transactions a month they should have routed differently.
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 leaks
Unyfy quietly reads your bank emails and SMS in the background. Every UPI, debit and credit card spend is captured, categorised and ranked, so the ₹3,000 to ₹10,000 slipping away each month finally has a face.
- Daily spend, category breakdown & top merchants
- Monthly trends across 6+ months
- Predicted next-month outflow
Pay with the right card. Every single time.
Our AI matches each spend to the best card already in your wallet, and shows the rewards you're leaving on the table when you tap UPI or the wrong card. Stop earning 1%. Start earning 5 to 10%.
- AI Card Match for every spend
- Compare your card vs. better options
- Voucher store with automatic 5% off + reward stack
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 using your real data, not generic advice you'd find on Google.
- 5 specialist agents (spends, cards, loans, investments, goals)
- Plain-English answers grounded in your finances
- Actionable next steps, not jargon
Track and grow what you already earn
Dividends, refunds, salary credits, mutual funds, SIPs. Unyfy pulls every income stream and idle rupee into one view, then shows exactly how much more it could be worth if put to work.
- Auto-tracked dividends with reinvest projections
- Income split: Salary, Refunds, Dividend, Cashback
- Investment monitoring across MFs, stocks & gold
Your money has more to tell you.
Install Unyfy and uncover savings hidden in plain sight.
Bank-grade security • No spam • Delete data anytime
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, EMIs, rewards and credit score, 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 | - | ✓ |
| Extra discount on vouchers | - | +2–5% on top |
| Fixed-expense prediction | - | ✓ |
| Pay fixed expenses from the app (nothing gets missed) | - | ✓ |
| Trip & event spend tracker | - | ✓ |
| Dispute charges (credit card / bank account) | - | ✓ |
| Financial expert call (30 min) | - | Every 6 months |
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
- • 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
- • AI assistant on your own data
- • Extra 2–5% discount on vouchers
- • Fixed-expense prediction
- • Pay fixed expenses from the app, so nothing gets missed
- • Trip & event spend tracker (e.g. "Goa – Family Trip" with totals, categories & top merchants)
- • Dispute charges on credit card or bank account
- • 30-min call with a financial expert, every 6 months
Still have questions?
No jargon, no fine print. Just straight answers on pricing, privacy, and how Unyfy works.
