# Unsheet — A what-if calculator for money > Financial 'what-if' calculator for personal decision-making with transparent calculations. (iPhone/iPad app by Kieron Kitson-Walters.) - Source: https://appshunter.io/ios/app/unsheet/id6760315604 (this page in markdown: same URL + `.md`) - Developer: [Kieron Kitson-Walters](https://appshunter.io/developer/1883802486) - Category: Finance, Productivity - Price: $2.99 - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 2 MB - Languages: American English - Released: 2026-03-24 - Data updated: 2026-06-27 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/unsheet/id6760315604/reviews.md ## What is Unsheet? You know the question. You've probably been thinking about it for days. What if I paid an extra $200 toward my car loan? What if I lost my job tomorrow? What if we had a baby? What if I refinanced? What if I just sold the car? Unsheet answers questions like these. You pick a scenario, fill in a few numbers, and get a clear answer in seconds. Not a graph. Not a dashboard. Just the number you actually need, with every step of the math shown underneath. Most budget apps want your bank login, your transaction history, and a monthly fee. Unsheet doesn't connect to anything. Your numbers go in, your answer comes out, and everything stays on your phone. WHAT YOU CAN ASK The scenario library covers the questions people actually lose sleep over. Bills and spending. Cut a bill, drop a subscription, move somewhere cheaper, downsize a car. Income. Get a raise, pick up a side gig, add a roommate, work more hours. Debt. Pay off a credit card, throw a lump sum at a loan, see how long until you're clear. Big purchases. Buy a house, buy a car, figure out how much you can actually afford. Job changes. Quit, get laid off, lose your income. See how long your savings last and what you'd need to adjust. Family and life changes. Have a baby, get married, move to a new city. Run the real numbers before the decision is final. Investing. Start putting money in an index fund, max out a retirement account, see what compound interest actually does over 10 or 20 years. Windfalls. Tax refund, inheritance, bonus. Figure out whether to save it, spend it, or throw it at debt. HOW IT WORKS Pick a category. Pick a scenario. Fill in the blanks. Unsheet runs the math and gives you one clear answer. Tap to see every calculation step by step. Save your scenario and come back to it when your numbers change. No formulas. No spreadsheets. No financial jargon. WHAT UNSHEET IS NOT Not a tracker. It doesn't care what you spent last Tuesday. Not a bank sync tool. No logins, no credentials, no connections. Not a subscription. You buy it once. That's it. It doesn't become another bill on your list. Built by a solo developer who got tired of budget apps that cost more than they save you. ## Key features - Customizable financial scenario calculator - Step-by-step math breakdowns - Local, offline calculations - No bank account linking required - Scenario library for common life events - Save and revisit scenarios ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/unsheet/id6760315604/reviews.md ### 5/5 — Why didn’t I think of this *2026-04-01* “Definitely one of those why didn’t I think of this” apps. Really cool concept! As long as they keep adding scenarios, it’ll stay fresh. **Developer response:** Thank you so much! More scenarios are already in the works, and the ones coming cover some of the questions people ask most. Really glad the concept clicked for you. ## Frequently asked questions about Unsheet ### What is Unsheet? Unsheet is a financial calculator that helps you answer 'what-if' questions about your money. It provides clear, single answers with detailed calculations for various financial scenarios, all performed locally on your device. ### How much does Unsheet cost? Unsheet is a paid app, available for a one-time purchase of $2.99. It is not a subscription and does not have recurring fees. ### Does Unsheet connect to my bank accounts? No, Unsheet does not connect to any bank accounts or financial institutions. All data entry and calculations are performed locally on your device for enhanced privacy and security. ### What kind of financial scenarios can Unsheet handle? Unsheet can handle a wide range of scenarios, including changes in bills and spending, income adjustments, debt payoff strategies, big purchases, job changes, family life events, investing, and windfalls. ### Can I see how Unsheet arrived at its answers? Yes, Unsheet provides a step-by-step breakdown of every calculation. You can tap to see the exact math behind the answer for full transparency. ### Is Unsheet available on Android devices? Based on the provided data, Unsheet is currently supported on iPhone and iPod. Information regarding Android availability is not specified. ### How often is Unsheet updated? The latest version of Unsheet was released on April 22, 2026, indicating a recent update. The developer, Kieron Kitson-Walters, provides ongoing support and improvements. ### What is the age rating for Unsheet? Unsheet has an age rating of 4+, making it suitable for a wide range of users. This indicates it contains no mature content. ## Version history (last 3 releases) ### 2.0.0 — 2026-04-22 40+ scenarios across 9 categories. Rent, cars, debt payoff, job changes, big purchases, investing, windfalls, and more. New category browser so you can find your question fast, or just start typing. Step-by-step math breakdown on every result. See exactly how Unsheet got there. Save and revisit scenarios. Run the same question again when your numbers change. Still one purchase. Still no subscription. Still no bank login. ### 1.0.1 — 2026-03-27 Full screen support for all iPhone models including Dynamic Island devices. Minor improvements to how scenarios are built and calculated. ### 1.0 — 2026-03-24 No release notes. --- *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 2026-06-27.*