Real Freedom is
Total Control.
Control Your Money. Own Your Data.
Build your complete financial plan in 15 minutes. Works 100% offline.
Real freedom is only possible when you have full control over both your money and your personal data.
Free forever. No credit card required. Privacy-first.
Join thousands taking control of their financial future
Trust and Simplicity
Built for Everyday People
No Financial Expertise Required
Complex concepts explained in simple, practical language. If you can read this, you can use Uniflow.
Clear Next Steps
Always know what to do next. We break down complex financial decisions into simple, actionable steps.
Visual Understanding
See your financial journey through intuitive charts, graphs, and visualizations that make sense at a glance.
Our Promise to You
Your data will always remain yours
We'll never sell your information
Transparent about how we operate
Always working in your best interest
Committed to your financial independence
Because true financial freedom means you're in control, not us.
By the Numbers
Data Ownership
You control everything
Setup Time
From start to insights
Forever Plan
No credit card needed
Digital identities
Across Europe
Securely Connects to 2,000+ Banks Across Europe
Connect your accounts with bank-level encryption and open banking standards
The Ecosystem - Power to the Person

I finally feel like I'm the one in the driver's seat. Uniflow gave me the clarity to pay off my loans 3 years early.
Elena R.
Beta User, United Kingdom
Plan Your Financial Goals
Plan Your Financial Goals
Calculate How to Achieve Your Dreams
Whether it's buying a house, planning a wedding, or funding education
See exactly what it takes to reach your goals.
Short-Term Goals
Emergency fund, vacation, minor home improvements, or debt payoff.
Build 3-6 month emergency fund
Save for upcoming expenses
Quick debt elimination
Medium-Term Goals
House down payment, wedding, car purchase, or education funding.
Save for home down payment
Plan dream wedding
Fund education or career change
Long-Term Goals
Retirement planning, children's education, or building generational wealth.
Early retirement planning
College fund for children
Financial independence
💡 All calculations use a conservative 7% annual growth rate based on historical market averages
Goal Calculator
House, wedding, education, etc.
Your Results
With $500/month, you'll reach $50,000 in:
0 years
✓ On track to reach your goal!
To reach your goal in 5 years, you need:
$0/month
✓ You're saving enough!
Ready to Achieve Your Goals Faster?
This calculator shows you the basics. Get access to our full planning tool to track multiple goals, integrate debt payoff, sync bank accounts, and get personalized recommendations.
Build Long-Term Wealth
Build Long-Term Wealth
Discover the power of compound interest and long-term investing.
Small, consistent savings today can build substantial wealth for your future.
Wealth Projection Calculator
Your Projected Wealth
Total Wealth at Age 60
$0
Your Contributions
$0
Growth from Interest
$0
Sustainable Monthly Income (4% rule)
$0/month
💡 Based on 7% annual growth rate (historical market average)
The Power of Compound Interest
Your wealth doesn't just grow from what you save - it grows from the interest on your interest. That's the magic of compound growth.
Start Now
Time is your biggest advantage. Starting at 25 vs 35 can mean hundreds of thousands in extra wealth.
Stay Consistent
Regular monthly investments, even small ones, add up dramatically over time.
Let It Grow
Resist the urge to withdraw. The longer your money compounds, the faster it grows.
What Could You Achieve?
Retire early and pursue your passions
Travel the world without financial stress
Leave a legacy for your family
Start that business you've been dreaming about
Want to Build Real Wealth?
This calculator shows the potential. Get access to our full wealth-building tools with automated investing, tax optimization, portfolio rebalancing, and personalized retirement planning.
Debt Elimination Solutions
Eliminate Debt with Confidence
Clear repayment strategies designed for real people
For those already in debt, the Uniflow app provides clear repayment strategies and step-by-step guidance to move towards financial independence.
Avalanche Method
Pay off high-interest debts first to minimize total interest paid. This method saves you the most money over time.
Snowball Method
Pay off smallest debts first for quick wins and motivation. Build momentum as you eliminate debts one by one.
Your Path to Being Debt-Free
Connect Your Accounts
Securely link your bank accounts and credit cards. We'll automatically import all your debts and financial data.
2 minutesGet Your Debt Analysis
Receive a complete breakdown of your debts, interest rates, and total cost over time.
InstantChoose Your Strategy
Select from optimized repayment strategies: avalanche (save most on interest) or snowball (quick wins).
5 minutesSee Your Debt-Free Date
Get your precise debt-free date and understand exactly how much you'll save with each strategy.
InstantFollow Step-by-Step Guidance
Receive clear monthly actions to stay on track. We'll guide you every step of the way.
OngoingStart Your Debt-Free Journey Today
Get your personalized debt elimination plan in just 15 minutes.
Direct Connection Ecosystem
A New Financial Ecosystem
The Uniflow app is your starting point to independence.
The Old Way is Broken. Build Your Own Path
Direct Ownership
Take back control over your money and personal data, and decide how they are used.
Privacy First
See exactly what steps you need to take to improve your financial future.
Total Clarity
Understand where you are today with clear, visual insights.
Future Direction
Don't guess. Know projects your wealth, make smarter decisions right now.
The goal is simple:
Return ownership of money and data to the individual
Key Features
Everything you need to achieve financial independence
Every feature is built with your best interests in mind.
We believe financial tools should empower, not confuse.
30-Year Financial Forecasts
Access precise long-term financial plans looking up to 30 years ahead. Make better decisions today by understanding your future.
Debt Management & Elimination
Clear repayment strategies and step-by-step guidance to move towards financial independence and become debt-free.
Secure Bank Connections
Connect securely to over 2,000 banks across Europe. Your data stays encrypted and under your complete control.
Decentralized Digital Identity
Own your identity through blockchain technology. Control who accesses your data and how it's used.
Direct Democracy & Voting
Participate in direct democracy. Vote on how your taxes are spent and influence community decisions.
Income & Expense Management
Track every penny automatically. Understand your spending patterns and optimize your budget effortlessly.
Frequently Asked Questions
Frequently Asked Questions
Everything you need to know about taking control of your life
Uniflow transforms your phone into a secure, private financial network. Unlike traditional apps that store your data on company servers, Uniflow creates a peer-to-peer network where your financial data stays on your device, encrypted and under your complete control. Your phone becomes a mini-server that connects directly with other users, eliminating the need for central servers and putting you in charge of your financial privacy.
Your data is protected through military-grade encryption and distributed storage. Every piece of information is encrypted on your device before it's shared. We use VPN tunneling technology to create a secure, private network where your data travels encrypted across the internet. Even if someone intercepts the data, they can't read it without your unique encryption key. Your financial information never sits unprotected on a central server.
Your data remains safe and accessible. Because Uniflow uses a distributed network, encrypted copies of your financial data are securely stored across multiple trusted devices in the network. If you lose your phone, you can restore your account on a new device using your secure recovery method. The network also works seamlessly whether you're on Wi-Fi or cellular data, and automatically reconnects when you come back online.
Uniflow uses innovative peer-to-peer technology. When you join, your phone connects to 'bootstrap nodes' (other users' devices) that help you discover the network. Once connected, your device can communicate directly with others through encrypted channels. Think of it like a neighborhood where everyone knows how to reach each other directly, without needing to go through a central post office. Your phone keeps an encrypted list of connections and automatically updates when people's internet addresses change.
No, your actual money stays safely in your connected bank accounts. Uniflow securely connects to over 2,000 banks across Europe to track and manage your finances. What's stored on your phone is encrypted financial data, so even when you blocked from your bank you have still access to transaction history, budgets, forecasts, and debt plans. This information is kept secure through encryption and distributed across the network, so you always have access to your financial insights while your actual funds remain protected in your bank accounts.
Getting started is simple and takes just 15 minutes. Download the app, create your account with a secure password, and connect your bank accounts using our secure banking integration. Once connected, Uniflow automatically analyzes your finances and creates your 30-year forecast. Your phone joins the secure network automatically, and you immediately gain access to debt management tools, financial forecasting, and complete data ownership.
Absolutely. Your data is encrypted end-to-end, meaning even if it passes through other devices in the network, no one can read it except you. Other devices simply help route encrypted data, like a secure mail system where the envelopes are locked and only you have the key. The network uses cryptographic verification to ensure data integrity and authenticity. You maintain complete ownership and control of your information at all times.
Yes! Uniflow is designed to be resilient. The app works on both Wi-Fi and cellular networks. If your connection drops temporarily, your local encrypted database keeps your financial information accessible. When you reconnect, the app automatically syncs with the network and updates your data. The decentralized nature means even if some network participants go offline, your data remains accessible through other connected devices.
No credit card required. Free forever plan available.
Start Your Journey to Financial Freedom
Take Control Today
Your journey to financial freedom starts now
Free forever plan available
No credit card required
Setup in just 15 minutes
See your 30-year forecast instantly
What happens when you sign up:
Create Your Account
Simple sign-up process. No complex forms or lengthy verification.
Connect Your Banks
Securely link to 2,000+ European banks with bank-level encryption.
Get Your Forecast
Instantly see your 30-year financial projection and debt-free date.
Take Action
Follow clear, step-by-step guidance to achieve your financial goals.
"I never understood my finances until I used Uniflow. Now I know exactly when I'll be debt-free and can plan my future with confidence."
— Sarah M., Uniflow Beta User
Frequently Asked Before Starting
Is it really free?
Yes! Our core features are free forever. No hidden fees, no credit card required.
Is my data safe?
Absolutely. Bank-level encryption and decentralized technology protect your data at all times.
How long does setup take?
Just 15 minutes from sign-up to seeing your first insights. Quick and painless.
Our Belief in Financial Freedom
Built on a Simple Belief
Freedom requires full control
Real freedom isn't just about having money. It's about having complete ownership and control over both your finances and your personal data.
For too long, individuals have been forced to rely on governments and traditional banks to manage their finances. But what if you could decide exactly how your money is used?
We believe:
- Financial ownership should sit entirely with the individual, not institutions
- You should decide how your taxes are allocated
- Your financial data should be under your complete control
- Independence from banks should be achievable for everyone
Your Money
Full control & independence
Your Data
Complete ownership & privacy
Your Choice
Decide how taxes are spent