Four short parts that walk through the planner on a real household’s numbers — setting it up, reading what it tells you, tuning it to your situation, and keeping it honest month to month. Free, no account needed, and nothing you do here leaves your device.
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Part 1
Set up your plan
5 min · 7 steps
Your income, your outgoings, and every loan you owe — entered once, kept encrypted on your own device.
Nothing leaves your device
Take-home, not CTC
Expenses you actually have
Original loan amount — not today's balance
Rate, tenure, start month
Lock-in and prepayment penalty
Importing a statement
Part 2
Read your plan
5 min · 7 steps
What the debt-free date, the avalanche order and the deployable surplus are actually telling you.
Freedom lands …
Principal cleared
Deployable surplus
Health score
Avalanche order
Interest saved, versus EMIs alone
This month's moves
Part 3
Make it yours
4 min · 6 steps
Emergency fund, allocation, prepay versus invest, and which tax regime actually costs you less.
Emergency fund first
How many months?
Where the surplus goes
Return assumptions
The honest break-even
Old versus new regime
Part 4
Keep it honest
4 min · 6 steps
Logging what you really did, exporting your report, and the one key you must not lose.
Log what you actually did
Editing a month you already logged
Behind is information, not failure
The report is also your backup
Import replaces everything
Your recovery key
Your certificate
Finish all four parts and you can download a certificate of completion with your name and the date on it.
What it is, and what it isn’t. It records that you completed this course. It is not an accredited or regulated qualification, it is not recognised by SEBI, IRDAI or any other authority, and it does not qualify you to advise anyone else on their money. Unowe is an educational tool, not a registered investment adviser.