Uprova

Uprova is a personal credit and debt planning tool created for users who want to organize existing financial obligations, review repayment options, and understand upcoming payments. Uprova works fully offline and does not provide loans, approve applications, connect users with lenders, or offer financial products.

With Uprova, users can manually add loans and installment obligations with details such as original amount, current balance, interest rate, minimum payment, payment frequency, next payment date, remaining term, and personal notes. This creates a clear overview of credit obligations and makes repayment progress easier to follow.

Uprova helps users compare repayment strategies and see how changing the monthly payment may affect estimated completion dates and interest costs. Available planning approaches include snowball, avalanche, and a custom repayment order. Users can also set an additional monthly payment and review the resulting estimate.

The built-in payment calculator lets users enter an amount, interest rate, repayment term, payment type, and optional fee. It calculates an estimated monthly payment, total repayment, interest amount, and monthly schedule. Results are informational calculations based on user-provided values.

Uprova also provides a personal debt-load calculator. Users can enter monthly income, additional income, essential expenses, and debt payments to estimate DTI, remaining budget, and an indicative monthly obligation range. These results are for planning purposes only and do not represent credit approval or a lending decision.

Credit and debt tracking

Create records for loans and installment plans with balances, payment dates, interest information, minimum payments, notes, and manually updated progress.

Repayment planning

Build estimated repayment schedules using minimum payments or additional monthly contributions. Compare completion dates, interest costs, and monthly obligations across different strategies.

Scenario simulator

Adjust income, expenses, one-time payments, recurring additional payments, interest rates, or temporary pauses. Compare alternative scenarios with the original plan and save them locally.

Installment tracking

Manage installment purchases separately by recording the purchase price, initial payment, number of payments, payment amount, completed periods, and next payment date.

Financial analytics

Review balance trends, payment distribution, interest share, estimated monthly pressure, and periods with a potential budget deficit. Calculations are performed locally on the device.

Saved scenarios and archive

Save, rename, duplicate, review, and delete repayment scenarios. Closed or archived obligations can be kept separately and restored later.

Local reminders

Create reminders for upcoming payment dates and choose when notifications should appear. Reminders are based only on information entered by the user and can work without an internet connection.

Optional photo notes

Attach a photo of a paper note or receipt to an obligation. The image is stored locally and is never analyzed or uploaded. The application remains fully functional without camera access.

Private and offline

Uprova requires no account, bank connection, cloud service, external API, or network access. Financial records and calculations remain stored locally on the device.

Uprova is an informational personal planning tool. It does not issue credit, approve applications, connect users with lenders, provide financial products, or guarantee any financial outcome. Results are estimates based on user-entered information and do not replace professional financial advice.