How Unyfy works
Unyfy reads the transaction emails and SMS your banks already send you, turns them into a clean ledger without manual entry, works out what your month is already committed to, and checks whether your loan and credit cards are still priced for the person you are now.
Six steps, in order. Nothing here requires you to change how you spend.
1.It reads what your banks already send you
Every bank and card issuer already emails and texts you a record of every transaction. Unyfy reads those, with your permission, rather than asking you to type anything in. On Android it also reads transactional SMS, which is where UPI activity actually shows up in India. You can additionally upload bank and credit card statement PDFs for a complete history rather than only what arrived since you joined.
2.It turns messages into a clean ledger
This is the unglamorous part and it is most of the work. A statement PDF is parsed by trying a table extraction first, then a line-based extraction, then a pattern-matching fallback, because no single method survives every bank's layout. The same transaction arriving by email, SMS and statement is collapsed into one record rather than counted three times. Salary is carried forward across months so a late credit does not read as a missing income. Interest and dividend credits are separated from transfers, because counting them as income is how a month looks better than it was.
3.It identifies the merchant, not the payment string
A UPI reference is not a merchant name. Unyfy matches raw transaction strings against a merchant database of roughly ten thousand entries, so spending resolves to brands and categories rather than a screen of payment gateway IDs. That resolution is what makes every calculation after this point possible — you cannot tell someone which credit card suits their spending if you cannot tell what they spent on.
4.It separates what is committed from what is a choice
Recurring charges are detected at merchant level, which surfaces the subscriptions you forgot and the mandates you never cancelled. From that, the month ahead is split into what is already committed — EMIs, rent, insurance premiums, bills that arrive on a cycle — and what is genuinely discretionary. Most people budget from what they earn. The useful number is what is left after what is already spoken for.
5.It checks whether your products still fit you
Your loan rate is compared against what the market would price you at today, with the processing fee included, so the answer is whether transferring is actually worth it rather than whether a lower rate exists. Your category spending is run against 369 Indian credit cards from 37 issuers, income-gated to what you would actually be approved for, to quantify the rewards you are not earning — and to flag an annual fee larger than what that card returned. Card bill payments are reconciled against statements so unbilled activity and mis-applied payments surface rather than quietly resolving next month.
6.It shows the arithmetic, then the action
Every figure is presented as a calculation on your own numbers, not as an average saving. Where the fix is a cheaper loan, a better-matched card, or the same purchase bought through a discounted voucher, Unyfy handles that step too. Where the fix is cancelling something, it just tells you, and earns nothing.
What Unyfy can see, and what it cannot
Unyfy reads transaction notifications and statements. It does not have your banking credentials and cannot move money in your accounts. Bank statement parsing covers Axis, HDFC, ICICI, Kotak and Federal Bank; credit card statement coverage is narrower and ICICI credit card statements are not parsed today. Android is where SMS ingestion works, because iOS does not permit it — on other platforms the email and statement paths still apply.
If you are weighing up the access this needs, is it safe to connect Gmail to a finance app answers it specifically rather than with reassurance.
Free and Pro
The diagnosis is free — the tracking, the categorisation, and seeing where money is going. Pro is ₹99 a month. What is in each is listed in full rather than summarised.
Where to start
If you want to understand the problem before installing anything, start with money left on the table — the seven places it typically goes, with the arithmetic for each. Or read about Unyfy, including what it deliberately does not do and how it makes money.