Yes, really
Una can read a budget you scribbled on the back of an envelope.
Snap a photo. She'll figure it out. We've watched her do it. It is, frankly, a little magical.
Una is your household's budget companion who helps you plan ahead together and stay on track throughout the month. Text her anything — "$25 at H-E-B," "how are we doing this month?", "can we afford a trip to Montana?" — and she'll answer like she's sitting next to you. No bank sync mess, no dashboards, no scolding — just your numbers and someone who knows how to talk through them.
Text her like you'd text a friend. "$25 at H-E-B," "can we eat out tonight?", "what's the rest of the year looking like?" — Una understands all of it, and writes back in plain English. No app to open, no categories to memorize.
Hands full? Phone across the room? Talk to Una like she's in the kitchen with you. Voice and text both work — same Una, same memory, same warmth. Pick whichever fits the moment.
Most apps assume your money lands on the 1st. Yours doesn't. Una organizes your month around when you actually get paid — 1st and 15th, every other Friday, however your household runs. Rent stops surprising you.
Every month-start, Una walks you and your partner through the Three Pillars — Save, Give, and Spend. The numbers adjust as you talk. You commit together. Then you go live your life.
Una is the AI built into Unicorn Money. She knows your numbers, remembers your goals, and actually helps. Not "AI-powered." Not a chatbot. A money companion who helps you decide — never one that moves your money for you — and treats your household budget like the conversation it should be.
At month-end Una writes herself a summary and carries it forward. Last month's wins, this month's context. She actually knows what's going on with you.
Ask her anything by text, chat, or voice. Log expenses, mark bills paid, plan the month — Una understands plain English on whichever channel suits the moment, and does the actual work.
Built on a real financial advisor's coaching frame: the Three Pillars — Save, Give, and Spend, in that order. She'll explain compound interest, walk you through why an emergency fund matters, or help you think through a debt strategy — warmly, on your terms. (Not an investment advisor; she won't pick your stocks.)
Una shows up however you need her. Tap to chat. Text from the H-E-B parking lot. Or just talk to her out loud when your hands are full and your phone is across the room. Same Una, same memory, same voice you trust.
"OK, you convinced me not to eat out tonight. But do you have any tips for grilling a good burger?"
Ha — glad I could help you skip the restaurant! But grilling burgers is outside my wheelhouse, I'm afraid. I'm built for budgets, not barbecue. 😊 That said, you're making a smart move staying home — your Dining Out budget will thank you. Enjoy the grill! 🍔 — Una
Una Voice comes with every household — text or talk, same Una, no add-on.
No special syntax. No remembering category codes. Una understands you the way a friend would, and she writes back like one too.
Most apps make you start over. Una starts where you are. Whatever shape your budget is in, she'll meet you there.
Drop in your YNAB export and Una sets up your categories in seconds. Your bills, your spending plan, your savings goals. All of it.
A spreadsheet, a PDF, a screenshot of last month's plan. Una reads it, understands it, and turns it into a working budget you can adjust on the way in.
No file? No problem. Tell Una what you make and what you spend. She'll ask the right questions and have you set up in about ten minutes.
Snap a photo. She'll figure it out. We've watched her do it. It is, frankly, a little magical.
Coming from YNAB, Mint, a spreadsheet, or somewhere else? See the switching guides →
No 47-step onboarding. No "categorize 600 transactions to get started." Just the numbers you need and a companion who actually helps.
She reads your last few month-end summaries before every conversation, so she knows where you've been. No more re-explaining your goals, your kids, or that one weird month with the new tires.
Real-time shared access between partners, individual Una chats, and partner sign-off on the monthly plan. No more "did you see what I added?"
Track savings goals and debt payoff side by side. Una remembers your progress every month and keeps you encouraged, even when life takes a step back.
Every budget action posts to a shared feed. Bill paid, expense logged, intentions committed. React, comment, stay in the loop.
You enter what you spend — that's the practice, and it's what keeps you ahead of your money instead of cleaning up after it. No background feed, no dashboard to reconcile. And if you ever fall behind, Una+ can pull your recent transactions so you check off what's real in a tap. Nothing lands on its own. The logging decision is always yours.
YNAB export, a spreadsheet, a PDF, a photo of last month's plan on the back of an envelope. Una reads it and turns it into a working budget in minutes.
We're in early access while we finish a few things we care about getting right. Drop your email and we'll let you know the moment it's your turn.