We present an effective unified theory based on non-commutative geometry for the standard model with neutrino mixing, minimally coupled to gravity. The unification is based on the symplectic unitary group in Hilbert space and on the spectral action. It yields all the detailed structure of the standard model with several predictions at unification scale. Besides the familiar predictions for the gauge couplings as for GUT theories, it predicts the Higgs scattering parameter and the sum of the squares of Yukawa couplings. From these relations one can extract predictions at low energy, giving in particular a Higgs mass around 170 GeV and a top mass compatible with present experimental value. The geometric picture that emerges is that space-time is the product of an ordinary spin manifold (for which the theory would deliver Einstein gravity) by a finite noncommutative geometry F. The discrete space F is of KO-dimension 6 modulo 8 and of metric dimension 0, and accounts for all the intricacies of the standard model with its spontaneous symmetry breaking Higgs sector.