Two tax systems are watching. You only have one wallet.
Around 53,300 people commute in from Belgium and 53,400 from Germany, out of more than 233,000 cross-border workers in early 2026 according to STATEC. Living in Arlon or Trier and working in Luxembourg City means two administrations that do not speak to each other and two banks that ignore each other. Avuru will not simplify either tax system. It does the thing that was missing: putting both sides in the same table, and calculating the Luxembourg half.
Let us be clear about the limits
- The tax simulators only cover Luxembourg. Belgium and Germany are not handled, and we will not pretend otherwise.
- No tax advice and no filing on your behalf, on either side of the border.
- Automatic bank connection is still being built, whatever country the bank is in.
What already works for you
- Belgian or German accounts and Luxembourg ones inside the same net worth.
- A single budget that accepts a salary received here and spending done there.
- The Luxembourg half calculated: tax class, deductions, commuting costs.
- A documented CSV export and a PDF statement your accountant can read.
The salary lands here. The rent leaves there.
One side receives, the other spends.
Your salary lands in a Luxembourg account, then part of it goes back to the Belgian or German account that pays the rent, the energy bill and the groceries. Seen from a single bank, that monthly transfer looks like spending. Seen from Avuru it is an internal move, and your budget stops believing you spent the money twice.
What gets calculated, and what does not.
Six simulators cover Luxembourg: income tax, deductions, year-end decisions, commuting costs, tax class, property capital gains. Your country of residence is not in there. The rules that apply to a Belgian or German resident depend on your situation and on the treaty between the two states, and that part stays a conversation with a professional.
A house on one side, a pension plan on the other.
The Belgian mortgage, the pension savings, the portfolio at a German broker, the Luxembourg current account: all of it lands in the same total, assets on one side, liabilities on the other. If an asset is held in joint ownership or as a split interest, the share can be declared and flows through to the net figure.
What it costs.
The free tier asks for no card, and paid plans start at 5.99 € a month with a 14-day trial. Payments are not open yet: early adopters start with 3 months of Plus free.
Frequently asked
Do the tax simulators cover Belgium and Germany?
Not yet. Luxembourg is the only country covered today, and others will follow. We would rather say so than let you pay to find out: the Luxembourg side gets calculated, the Belgian or German side stays with you.
So what is Avuru good for today?
Holding wealth spread across two countries in one place, and putting a number on the Luxembourg half of your situation. Account tracking, budgeting, goals and the wealth statement do not depend on any particular tax system.
Can I get my figures out for my accountant?
Yes. The CSV export has documented, versioned columns, and the wealth statement prints to PDF from the browser. It is built to be read by someone other than you.
Do my Belgian or German accounts connect on their own?
Not yet, automatic bank connection is still being built. Today you import a PDF statement, a photo, a CSV or an OFX file, or you type the account in.
Can I run one budget across both countries?
Yes, and that is where the product started. Spending done on one side of the border and salary received on the other go into the same budget, without running two separate apps.
A border through the middle of your budget is manageable.
The demo opens with no account and no email. The free tier asks for no card.
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