Your money.
Your business.
One view. A wall between.

Link your bank, securely

Connect checking, savings, cards and loans through Plaid. Flag each account as personal or business — that flag decides which side of the house it counts on.

Net worth, free

Assets minus what you owe, tracked daily from your linked accounts, plus anything you add by hand (a car, a private loan). No paywall on the number that matters most.

Recurring charges, found for you

Subscriptions, bills and paychecks detected from your own feed — same merchant, steady rhythm, steady amount — with price increases flagged.

Budgets, bills and alerts

Category budgets with rollover, a bills calendar, and alerts for low balances, big charges, bank fees, deposits and bills due — all in the app.

Share with your household

Choose which accounts your household sees and budget together. Everything else stays yours alone.

Personal and business, side by side

If you also run a business on UnicoOS, one screen shows your personal money next to your company's — read separately, never mixed — and lists what you're paying on both sides.

Guided cancellation that checks itself

A cancel guide for any subscription — the merchant's site, the steps, a ready-to-send email — and then we watch the next expected charge: it either stops (confirmed) or lands again (flagged).

Money alerts on your phone

Bill due, low balance, a bank fee, a large charge — pushed to your device, with the same mute and quiet-hours controls as every UnicoOS notification.

Ask about your money

Plain-language answers over your own figures — where it went this month, why it was tight, which personal tools your business already pays for.

Categories built for tax time

Around 180 detailed categories — rent, dentist, church, a tax refund, a reimbursement, an IRA contribution — each with a plain note on how it usually lands at tax time. New bank rows arrive already sorted; a rule applies your pick to the rest.

A year-end tax worksheet

Your year grouped the way a preparer asks: what may qualify for a deduction or credit, income by the form it arrives on, money in that isn't income, payments that aren't expenses. One CSV for your preparer. Pointers, never a determination.

Receipts on the charge

Snap a photo or drop a PDF onto any transaction. It rides your deductible export and, if you file with UniTax File, goes to the preparer with the return.

It feeds your return

On UniTax File, the Deductions and Credits steps suggest figures straight from your worksheet, the Income step lists the forms to expect, and the Payments step lists the estimated payments your feed already saw — one tap records each. Suggestions you confirm; nothing reaches the return on its own. Hand the return to the preparer and the worksheet rides along as a CSV.

Worksheet to return, one tap

Each pile on the Taxes tab links to the UniTax File step that reads it, and the "sort these" notes open your ledger on exactly those rows.

Estimated-tax pointer

Self-employment or gig income in your feed? See the income so far, the estimated payments already sent and the next federal date — moved off weekends and holidays the way the IRS does — with an opt-in reminder before each one. What's owed stays your preparer's call.

Sort a batch at once

Tick the rows, then set one category or the Deductible tag for the lot — on your phone too. Fast picking is the whole point of the categories.

Ready to hand off?

One checklist on the Taxes tab: rows still unsorted, income under the bank's own label, deductible charges without a receipt, forms the feed expects that aren't on your return, estimated payments not yet recorded, and where the return stands — each line a link to the place that fixes it.

Compared with last year

The lines last year's worksheet had that this year hasn't seen yet — a property-tax bill, a December donation — compared through today, so you can chase a row still under the bank's label before the worksheet goes out.

Your deductible rows, itemised for the preparer

When a return is handed to the preparer, the charges you tagged Deductible ride along as their own sheet — date, merchant, amount, category with its tax note, and the receipt link on each row — next to the worksheet and the receipts.

See exactly what your preparer gets

Before you send, one card on the Review step lists everything the hand-off will include — your confirmed forms, this year's vault documents, the worksheet, the itemised deductible sheet, your receipts — each line marked included or not, and why.