# UnchainedMoney — Stop guessing. Start planning. > Stop guessing. Start planning. (iPhone/iPad app by Satyam Srivastav.) - Source: https://appshunter.io/ios/app/unchainedmoney/id6761650461 (this page in markdown: same URL + `.md`) - Developer: [Satyam Srivastav](https://appshunter.io/developer/1890666843) - Category: Finance, Education - Price: Free - Age rating: 4+ - Requires: iOS 17.0 · 6 MB - Languages: English - Released: 2026-04-07 - Data updated: 2026-09-18 - User reviews in markdown: https://appshunter.io/ios/app/unchainedmoney/id6761650461/reviews.md ## What is UnchainedMoney? Unchained Money is India's first personalized debt resolution planner. Enter your income, expenses, and loans. Get a personalized month-by-month roadmap showing exactly when you'll be debt-free. FEATURES: - Financial Health Score - Know your current situation instantly - Debt Roadmap - Precise payoff timeline for every loan - Smart Prioritization - Attacks high-interest debt first (Avalanche method) - Floating-Rate Updates - Bank revised your interest rate? Update it and your roadmap adjusts instantly - Emergency Fund Calculation - Safety net built while you repay - Edit Past Months - Paid differently than planned? Correct any past month and your timeline redraws from there - Snowball Effect Visualization - Watch freed-up EMIs accelerate your payoff - Zero Data Sharing - All data stays on your device. Bank-grade encryption. FOR WHO: Perfect for anyone with multiple loans feeling trapped: - Credit card debt - Personal loans - Education loans - Gold loans - Loan against property NO SIGN-UP. NO ADS. NO DATA SHARING. All calculations use standard debt repayment methods (Snowball & Avalanche) taught in financial literacy courses. This is an educational planning tool, not licensed financial advice. A legal disclaimer is included in the app. ## Version history (last 5 releases) ### 4.1 — 2026-06-17 Life doesn't always follow the plan - so this update lets your roadmap keep up with it. Off-plan month? Fix it. Paid differently than we suggested in a past month? Tap Edit on that month, enter what you actually paid, and your roadmap redraws from there - so your timeline always reflects reality. A new "Edit" action on any completed month lets you record what you actually paid to each loan and added to savings when you went off-plan. The roadmap re-amortises that month and every month after it. A confirmation ("Stick to your plan?") keeps editing intentional rather than casual, and corrected months are tagged EDITED. ### 4.0 — 2026-06-04 Life doesn't always follow the plan - so this update lets your roadmap keep up with it. Off-plan month? Fix it. Paid differently than we suggested in a past month? Tap Edit on that month, enter what you actually paid, and your roadmap redraws from there - so your timeline always reflects reality. A new "Edit" action on any completed month lets you record what you actually paid to each loan and added to savings when you went off-plan. The roadmap re-amortises that month and every month after it. A confirmation ("Stick to your plan?") keeps editing intentional rather than casual, and corrected months are tagged EDITED. ### 3.1 — 2026-05-30 Update your floating-rate loans. When your bank revises the interest rate on a loan, you can now reflect that change in the app without rebuilding your roadmap from scratch. - Tap "Update interest rate" on any loan card - Enter the new rate - Choose what your bank kept constant — your EMI (and let the tenure adjust) or your tenure (and let the EMI adjust) - See the impact on your debt-free date before you apply - Every rate update is recorded on your roadmap timeline, so you can trace each decision over time Smarter projections after a rate change - When a rate update flips which loan becomes your highest priority, your monthly surplus automatically redirects to it. The tenure shown on each loan card, the roadmap, and the preview now all factor in this redirection — so what you see in the preview is exactly what gets applied, with no surprises. • New: update interest rates on your floating-rate loans without resetting your roadmap. Pick whether your EMI or tenure stays constant, preview the impact, and apply. • Smarter projections: loan tenures now reflect how surplus redirects when avalanche priority shifts. • Cleaner roadmap event cards. ### 1.2 — 2026-04-18 - Timeline Events: Lumpsum payments and salary hikes now appear directly in your roadmap timeline, right where they happened. See exactly how each action accelerated your debt-free journey. - Today Marker: A clear "TODAY" indicator separates what you've already done from what's ahead. The roadmap auto-scrolls to your current position so you always know where you stand. - Welcome Back Check-in: Been away for a while? We'll ask if your loan balances have changed so your roadmap stays accurate. ### 1.0 — 2026-04-07 No release notes. ## Apps similar to UnchainedMoney | App | Rating | Price | Category | | --- | --- | --- | --- | | [PlanMyPaisa](https://appshunter.io/ios/app/planmypaisa/id6763738140) | — | Free | Finance | | [Nema : Budget & Money Tracker](https://appshunter.io/ios/app/nema-budget-and-money-tracker/id6787227218) | — | Free | Finance | | [RewardTide](https://appshunter.io/ios/app/rewardtide/id6759778125) | — | Free | Finance | | [Inkapify: Expense Tracker](https://appshunter.io/ios/app/inkapify-expense-tracker/id6766141937) | 5.0 (2) | Free | Finance | | [ZeroOut Debt Planner](https://appshunter.io/ios/app/zeroout-debt-planner/id6761924615) | — | Free | Finance | | [Pro Invoice Tracker](https://appshunter.io/ios/app/pro-invoice-tracker/id6752736635) | 5.0 (1) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-18.*