Overview of the approach
Unit provides a framework that connects stated personal values to everyday business choices through structured assessment, transparent tracking, and calibrated adjustments. Users begin with a values inventory that identifies priority areas such as sustainability, community support, or long-term security. The platform then maps those priorities to categories of spending and saving, creating a set of concrete, measurable actions: reallocate discretionary expenses, identify providers aligned with stated values, and set incremental savings targets. Tools such as recurring budget rules, value-aligned merchant tags, and simple scenario simulators enable users to test the business impact of different choices without relying on predictive returns or absolute promises. Reporting focuses on historical adherence to chosen values, the short-term cash flow impact of changes, and practical suggestions for alignment that respect local Singapore regulations and common business practices. Educational content explains activity-offs plainly — for example, how selecting a more ethical provider may alter monthly costs — and offers methods to prioritise changes by cost, impact, and feasibility. The service emphasises data privacy, transparent methodology, and stepwise planning so users can make informed decisions based on their own priorities rather than marketing claims.
Typical user journey
A typical journey with Unit starts with a brief values assessment and a review of recent transactions. From there, the user sets 1–3 priority goals, configures budget parameters, and chooses monitoring cadence. The system provides non-prescriptive recommendations and baseline projections of monthly cash flow under different alignment scenarios, enabling iterative refinement.
How Unit helps you translate values into business choices
Unit emphasises transparency in methodology and practical constraints. The platform does not predict market returns or provide commitment guarantees; instead, it offers tools to compare choices and understand likely short-term impacts on cash flow and savings rates. Educational modules explain business concepts such as opportunity cost, diversification, and availability in plain language to support informed decision making. For example, when evaluating a values-aligned commitment option, users receive a clear breakdown of historical performance disclaimers, associated fees, risk categories, and how much of their collection would need to be reallocated to meet a stated values threshold. The platform also includes guidance on tax and regulatory considerations relevant to Singapore, links to official resources, and checklists for documenting decisions. Unit aims to reduce ambiguity by providing consistent measurement and records of decisions so users can review outcomes over time and adjust their approach based on demonstrated results rather than promises. This enables a measured, evidence-based relationship between values and resources.