₹Unowe.
Open the planner

Clear your loans faster. Then start investing.

Unowe — as in un-owe, to stop owing — 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.
Term cover you need
Sized on your earning years, not a multiple.
Goal SIP
The monthly amount, in real returns.
Open the free planner →or try a live demo — no signup →

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.
  • A monthly log that compares what you actually paid against what the plan asked for, so the plan stays honest rather than aspirational.

What most prepay-vs-invest maths gets wrong

The shortcut you will see almost everywhere is loan rate × (1 − your tax rate). It assumes every rupee of home-loan interest is saving you tax. For most borrowers, it isn’t.

  • Section 24(b) is capped at ₹2 lakh a year on a self-occupied property. Once your annual interest is above that ceiling, the next rupee of interest saves you nothing at all — so prepaying gives up far less tax relief than the shortcut assumes, and the return your investment must beat is higher than you were told. On a ₹50 lakh loan at 9% in the 30% bracket the shortcut says 6.3%; the honest bar is 8.1%. Under the new regime that deduction does not apply to a self-occupied property at all.
  • Marginal relief exists, and calculators skip it. Just above the ₹12 lakh rebate threshold, a naive slab table shows ₹5,000 of extra income triggering ₹63,180 of tax. The real figure is ₹5,200. Section 87A marginal relief is written into the Act precisely to remove that cliff, and a separate relief does the same for surcharge at ₹50 lakh. Both cliffs, and the one that is real.

Unowe computes both, and tells you when the shortcut would have misled you. You can check the workings on the prepay-vs-invest calculator and the old vs new regime calculator.

One habit that matters more than the maths

When you prepay, ask your lender to reduce the tenure, not the EMI. Reducing the tenure is what saves interest. Reducing the EMI feels better every month and costs you considerably more over the life of the loan — and it is the default at several lenders unless you say otherwise. The home-loan prepayment guide covers the RBI position on floating-rate foreclosure charges, lock-ins and what to put in writing — and what actually changed in the 2026 rules, including the two limits most summaries leave out.

Worried prepaying will cost you the ₹2 lakh Section 24(b) deduction? On a large loan it mostly does not — you stay above the cap either way, so you keep claiming the full amount. How much of the tax break prepaying really costs you, by loan size and bracket.

Where to start

  • New to this? Unowe Academy is a free four-part course that walks through the planner on a real household’s numbers. No account, and the full transcript is on the page.
  • Not sure whether to clear the smallest loan or the costliest first? Avalanche vs snowball, and when the worse arithmetic is the better plan.
  • Carrying a card balance? The interest-free days you think you have stopped applying the month you fell short — new spending accrues from the transaction date, which is why the balance grows while you pay.
  • Been offered a settlement? The discount is real, and so is what it costs you for the next seven years — both columns, so you can decide rather than be sold.
  • Studying on an education loan? A moratorium pauses the EMI, not the interest — ₹10 lakh becomes ₹13.15 lakh over three years, and there is a way to stop it.
  • Just want a number? Open the live demo — it loads a sample household, so nothing of yours is involved.

What this is not

Unowe is an educational tool. It is not registered with SEBI as an investment adviser, it does not recommend any specific fund, insurer or lender, and it earns nothing from anyone it mentions. Return figures are assumptions you set yourself, not forecasts. For a decision that turns on your full circumstances, talk to a SEBI-registered investment adviser. Privacy & terms spells out exactly what is stored and what is not.