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

1

No Financial Expertise Required

Complex concepts explained in simple, practical language. If you can read this, you can use Uniflow.

2

Clear Next Steps

Always know what to do next. We break down complex financial decisions into simple, actionable steps.

3

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

100%

Data Ownership

You control everything

15 min

Setup Time

From start to insights

Free

Forever Plan

No credit card needed

100+

Digital identities

Across Europe

Securely Connects to 2,000+ Banks Across Europe

HSBC
BNP Paribas
Deutsche Bank
Santander
ING
Barclays
Société Générale
UniCredit
Crédit Agricole
Lloyds
HSBC
BNP Paribas
Deutsche Bank
Santander
ING
Barclays
Société Générale
UniCredit
Crédit Agricole
Lloyds

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.
ER

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

3-12 months

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

1-10 years

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

10-30 years

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.

1
Start Now

Time is your biggest advantage. Starting at 25 vs 35 can mean hundreds of thousands in extra wealth.

2
Stay Consistent

Regular monthly investments, even small ones, add up dramatically over time.

3
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.

Saves most on interest
Mathematically optimal
Best for long-term savings

Snowball Method

Pay off smallest debts first for quick wins and motivation. Build momentum as you eliminate debts one by one.

Quick psychological wins
Builds momentum
Best for motivation

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 minutes
1

Get Your Debt Analysis

Receive a complete breakdown of your debts, interest rates, and total cost over time.

Instant
2

Choose Your Strategy

Select from optimized repayment strategies: avalanche (save most on interest) or snowball (quick wins).

5 minutes
3

See Your Debt-Free Date

Get your precise debt-free date and understand exactly how much you'll save with each strategy.

Instant
4

Follow Step-by-Step Guidance

Receive clear monthly actions to stay on track. We'll guide you every step of the way.

Ongoing
5

Start 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.

Predict major life events
Plan for retirement confidently
Understand long-term impact of decisions
💳

Debt Management & Elimination

Clear repayment strategies and step-by-step guidance to move towards financial independence and become debt-free.

Predict your debt-free date
Optimize repayment strategies
Track progress in real-time
🏦

Secure Bank Connections

Connect securely to over 2,000 banks across Europe. Your data stays encrypted and under your complete control.

Open banking integration
Bank-level security
Automatic transaction tracking
🆔

Decentralized Digital Identity

Own your identity through blockchain technology. Control who accesses your data and how it's used.

Blockchain-based verification
Complete privacy control
Portable digital identity
🗳️

Direct Democracy & Voting

Participate in direct democracy. Vote on how your taxes are spent and influence community decisions.

Transparent voting system
Track tax allocation
Community engagement
📊

Income & Expense Management

Track every penny automatically. Understand your spending patterns and optimize your budget effortlessly.

Automatic categorization
Spending insights
Budget recommendations

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

Join the movement. No spam, just early access to the future of ownership.

Available on Google PlayAvailable on App Store

What happens when you sign up:

1
Create Your Account

Simple sign-up process. No complex forms or lengthy verification.

2
Connect Your Banks

Securely link to 2,000+ European banks with bank-level encryption.

3
Get Your Forecast

Instantly see your 30-year financial projection and debt-free date.

4
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