Smart saving redefined – the UnitPlus AI Savings Plan is revolutionizing your finances

Saving is a core part of healthy finances. Many people struggle to find a sustainable rhythm that helps them prepare for financial emergencies, fund life goals, or secure retirement. UnitPlus recognized this issue and developed the first AI savings plan in Germany. This smart financial assistant is an innovative AI-based helper that fundamentally changes the approach. Instead of fixed monthly amounts, the intelligent technology analyzes individual financial behavior and dynamically adjusts investment recommendations. This way, you increase your returns even more in the long run. An analysis of over 670,000 portfolio transactions shows: users of our AI savings plan with the “Mount Everest” portfolio from the Mountain series generate a higher return of 10.91% through proactive investing compared to the classic savings plan.

Savings Plans: Success Through Regular Investing

A savings plan is a structured method of investing regularly. For example, a fixed amount is automatically invested monthly into a selected financial product. Savings plans are especially effective because they benefit from compound interest: the returns generated are reinvested and in turn generate returns themselves, potentially leading to exponential wealth growth over time. Investors also benefit from the cost-average effect, where regular investments at different prices reduce timing risk — more shares are bought when prices are low, and fewer when prices are high. This leads to a lower average purchase price over time and reduces the risk of poor market timing.Savings plans also promote investment discipline and allow individuals to start building wealth even with small amounts.

Making the Most of Your Money – Smarter Saving with UnitPlus

After a quick and simple linking of your bank accounts in the UnitPlus app, the AI Savings Plan is ready to process your financial data. Unlike traditional savings methods with fixed monthly contributions, the algorithm analyzes your individual behavior and forecasts how much you can invest by the same calendar day next month. This forward-looking system offers three key benefits:

1. Higher returns through earlier investing: Compound interest works in your favor for longer.

2. Maximum capital utilization: Avoid idle liquidity and maximize your return.

3. Financial awareness: The AI Savings Plan acts as a personal financial advisor, alerting you to changes in your saving behavior.

The crucial difference is proactive timing: while traditional plans invest leftover funds at month’s end, the UnitPlus algorithm predicts your saving potential at the beginning of the month and invests early—fully utilizing your finances for maximum growth. With our user-friendly app, you remain in control of key parameters like liquidity reserves and minimum savings amounts.

Unlike rigid monthly contributions in traditional plans, the AI Savings Plan adjusts dynamically to your changing life circumstances—without requiring action from you. This exceptional flexibility allows you to continue investing even in financially challenging times, as the algorithm intelligently adapts your savings rate to your current situation.

Smart Financial Management with Personalized Saving

The AI Savings Plan is tailored specifically to your personal situation, as it deeply analyzes your financial habits:

• Identifies sources of income

• Detects recurring expenses

• Accounts for seasonal fluctuations

• Anticipates upcoming financial obligations

The algorithm recognizes your fixed monthly costs like rent, insurance, or subscriptions and understands how you’ve saved money in the past. It then intelligently determines how much money is truly available to you after all necessary expenses (your disposable income), which can be invested—based on your financial behavior and without drastically changing your lifestyle. All this collected and analyzed data is processed by the AI into a personalized investment forecast—with the goal of earning you higher long-term returns through smarter investing.

AI Meets Open Banking for Your Wealth Growth

The UnitPlus AI Savings Plan leverages the potential of  Open Banking—one of the most important financial sector developments in recent years. Standardized interfaces (APIs) allow financial service providers to access account data from various banks with the customer’s consent, enabling true holistic financial management. This technology forms the foundation of the AI Savings Plan, which analyzes transaction data to derive intelligent investment recommendations. By securely linking one or more bank accounts, the algorithm gains a comprehensive view of your financial situation and can make more accurate forecasts—all in compliance with the GDPR, ensuring your personal financial data remains confidential and is used solely for authorized analysis.

Although the computing power for the AI Savings Plan is costly and Open Banking also incurs expenses, UnitPlus charges only a small monthly fee of €1 to activate the savings plan.

Conclusion: Your Personal Financial Coach for More Wealth

With the UnitPlus AI Savings Plan, you get a digital financial coach that actively supports you—without you needing to become a finance expert. You benefit from a smart solution that makes your money work optimally for you, as the algorithm learns your financial habits and adapts to your life—not the other way around. This lets you stay relaxed when your income changes, big purchases come up, or unexpected expenses occur. The AI recognizes these situations and intelligently adjusts your saving strategy.

Like classic savings plans, you benefit from the cost-average effect, which reduces timing risk, and compound interest, which grows your wealth exponentially. Our AI Savings Plan maximizes these advantages by generating higher returns through earlier investments, allowing compound interest to work longer in your favor. By optimally analyzing your disposable income and consistently avoiding unused liquidity, your returns are systematically maximized.

The UnitPlus AI Savings Plan means less stress, higher returns, and ultimately a stronger financial foundation for your future. The intelligent savings plan personalization takes the complexity of financial planning off your hands, allowing you to focus on what truly matters—while your money works smartly for you. This way, you continuously build wealth.