Clear your loans faster. Then start investing.
Unowe builds a debt-avalanche prepayment plan, sizes your emergency fund, and allocates your monthly surplus across balanced buckets — with every figure AES-256 encrypted on your device, and never stored on a server.
Credit-card payoff
The real cost of paying only the minimum.
Prepay vs invest
The honest break-even, with the §24b cap.
Old vs new tax regime
FY 2026-27, on your real deductions.
EMI + amortisation
Your EMI and the year-by-year schedule.
Private by design
Your financial details never leave this device. Supabase Auth holds only your email and a password hash for identity; everything else — balances, loans, income — is AES-256-GCM encrypted on your device with a key derived from your password, so the server never sees it. There are no third-party trackers and no analytics.
What it does
- Debt avalanche + prepayment plan. Sequences every loan and card by interest rate and sizes what to pay each month.
- Emergency fund sizing and a balanced investment allocation for your surplus across equity, PPF/debt, gold and liquid.
- Import a statement (CSV or PDF), parsed entirely in your browser — raw transactions never leave the device.