Uprova

Uprova is an offline debt planning tool for people who want to understand existing obligations, compare payoff strategies, and build a structured payment plan using their own numbers.

With Uprova, you can add multiple existing debts, enter balances, annual rates, required monthly payments, and choose the currency used for your plan. Set one consistent monthly budget and explore how different payoff orders can affect the projected timeline and total interest.

Uprova focuses on payment planning rather than lending. It does not offer loans, credit applications, approvals, creditor connections, account access, or financial services. All results are calculations based only on information entered manually by the user.

Create a payoff order by prioritizing debts manually. Required payments for open debts are preserved, while the available part of the monthly budget is directed toward the first unfinished debt in the selected order. When a debt is projected to be completed, its required payment becomes available for the next debt without increasing the overall monthly budget.

Uprova shows each payment transition clearly, including the month, completed debt, released payment amount, and the next debt receiving the additional payment. You can also compare two manually selected payoff orders using the same debts and budget.

Review projected total interest, individual payoff dates, and the estimated month when all debts may be completed. If the selected budget is below the combined required payments, the app clearly shows the shortfall instead of presenting an executable plan. Long or incomplete projections remain visible without inventing a completion date.

Uprova provides a monthly plan with total payments, interest, and remaining balances. Expand each month to review the starting balance, interest, required payment, additional payment, and ending balance for every debt. Planned payments can be marked as completed for personal tracking. These checkmarks do not confirm real payments and do not change calculated balances.

Save independent plan snapshots with the original debt data, budget, payoff order, assumptions, and calculated schedule. Saved plans remain available even if an original debt is later removed or changed. Rename or delete saved plans when needed.

Uprova works entirely on the device. Debts, saved plans, payment checkmarks, and optional debt photos are stored locally. The optional camera feature only saves a photo of a paper note inside the debt form; it does not recognize text or import financial information.

Uprova uses a deterministic calculation model with clearly defined assumptions. The model does not account for fees, changing rates, new borrowing, or individual contract conditions. Calculations are estimates based on manually entered existing obligations.

Uprova is designed to help organize debt information and explore repayment scenarios in one private, offline workspace. It does not connect to creditors, process payments, or provide credit services.