Accounting
Every account, one ledger
Checking, savings, cards, cash and loans with balances that keep themselves current.
- Income, expenses and transfers
- Search and filter by month or category
- Printable income statement and balance sheet
Your whole financial life, unified.
- Free to use
- No bank login needed
- Tax rules for the US, India and the UK
Everything in one place
Four money tools. One source of truth.
Most people juggle a banking app, a budgeting spreadsheet, a tax calculator and a brokerage dashboard. UNIFIN puts them on the same page and keeps them in sync.
Budgeting
Limits that fill as you spend
Monthly budgets per category with clear on-track, close and over signals.
- Suggested limits from your real spending
- Savings goals with target dates
- See what you spent outside any budget
Taxes
A tax estimate that keeps up
Income you record flows straight into a running estimate for your tax year.
- Bracket by bracket breakdown
- Deductions, contributions and tax paid
- A monthly amount to set aside
Investments
Your portfolio at a glance
Stocks, ETFs, funds, bonds and crypto with value, gains and allocation worked out.
- Gain and loss per holding
- Split by asset type and position
- Live prices for supported tickers
Why unified matters
Enter it once. Everything updates.
In UNIFIN a single transaction is not a line in one app. It moves your balance, your statements, your tax estimate and your net worth at the same time, so the numbers always agree.
You record
Freelance invoice paid
+$1,200
Accounts
Everyday checking goes up by $1,200
+$1,200
Statements
Freelance income added to November
+$1,200
Taxes
Estimate recalculated at your top rate
+$264
Net worth
Your total moves with it, instantly
+$1,200
How it works
Up and running in minutes.
No bank logins to hand over and nothing to install. Sign up in your browser and start with what you already know.
- 01
Create your account
Tell UNIFIN where you pay tax and which currency you use. That is all it needs to personalise your estimates.
- 02
Add accounts and transactions
Add your bank accounts, cards and cash, then record income and spending as it happens. Or load sample data to look around first.
- 03
Watch it all connect
Budgets fill up, statements write themselves, your tax estimate keeps pace and your portfolio sits right next to it.
Personal tax estimates
Tax rules that know where you live.
Pick your country when you sign up and UNIFIN applies the right brackets, deductions and allowances to the income you record.
USTax year 2026
United States
- Federal brackets for all four filing statuses
- Standard or itemized deduction, whichever is higher
- 401(k), HSA and IRA contributions
- Optional state income tax rate
INFY 2026-27
India
- New and old regime, compared side by side
- Section 87A rebate and marginal relief
- Standard deduction for salaried people
- Surcharge and 4% health and education cess
UK2026/27
United Kingdom
- Basic, higher and additional rate bands
- Personal Allowance taper above £100,000
- Pension contributions and allowable expenses
- Rates for England, Wales and Northern Ireland
ALL
Anywhere else
Set your own overall rate and UNIFIN still tracks taxable income, deductions and what you have already paid, in nine currencies.
Estimates are for planning, not tax advice. Always confirm with a qualified professional before you file.
Security and privacy
Your money is personal. So is your data.
UNIFIN is built so the details of your financial life stay yours. No ads, no selling data, and nothing that needs your bank password.
Passwords are never stored
Only a salted one-way hash is kept, so nobody can read your password, including us.
Private sessions
You stay signed in with a secure cookie that page scripts cannot read.
No bank logins
You enter your own numbers. Your bank credentials never leave your hands.
Your data stays yours
Every account, budget and holding belongs to your sign-in. Other people using UNIFIN can never see it.
Delete it any time
Clear your data or close your account from Settings in a couple of clicks.
Questions
Good questions, straight answers.
Everything you might want to know before you bring your money together.
Is UNIFIN free?
Yes. Creating an account and using every part of UNIFIN, from accounts and budgets to taxes and investments, is free.
Do I have to connect my bank?
No. You add your accounts and transactions yourself, so nobody ever gets your bank login. Most entries take a few seconds, and you can load sample data to explore first.
Which countries does the tax estimate cover?
US federal income tax for 2026, India for FY 2026-27 with both the new and old regimes, and the UK for 2026/27 in England, Wales and Northern Ireland. Anywhere else, you can set your own overall rate.
Is the tax estimate official advice?
No. It is a planning tool that shows roughly what you may owe and how much to set aside. Tax rules change and personal situations differ, so check with a qualified professional before you file.
Can I track stocks, funds and crypto?
Yes. Add each holding with the units you own, what you paid and the current price. UNIFIN shows its value, your gain or loss and how your portfolio is split, and can refresh prices for supported tickers.
Which currencies can I use?
US dollars, Indian rupees, British pounds, euros, Canadian, Australian and Singapore dollars, UAE dirhams and Japanese yen. Pick one when you sign up and change it any time in Settings.
Can I delete my data?
Any time. Settings lets you clear all of your financial data or delete your account entirely, and it is gone for good.
Bring your money together today.
Accounts, budgets, taxes and investments in one calm, private place. It takes about a minute to start.
