Paid in Luxembourg, living on the other side.
You earn in one country and spend in another. Your accounts do not talk to each other, your French bank has no idea the Luxembourg account exists, and nobody tells you what your tax class actually costs you over a year. Avuru puts both sides on one screen and puts a number on the tax half instead of leaving you to guess.
What Avuru does not do
- No tax advice. The simulators produce educational estimates. For a complicated situation, have it checked by a professional.
- No filing on your behalf. Avuru works out the numbers, you decide and you file.
- Automatic bank connection is not here yet. Better said now than discovered after you sign up.
What changes day to day
- Accounts from both countries in one total, with no spreadsheet in between.
- Six Luxembourg simulators that fill themselves with your real figures, and only when you ask.
- The commuting allowance worked out once, instead of re-estimated from memory every year.
- December's decisions visible in November, while they still change something.
Two countries, two tax offices, one wallet.
The account here and the account over there.
Spuerkeess or BGL on one side, your French, Belgian or German bank on the other, plus the broker and the mortgage. Avuru adds up what you hold, subtracts what you owe, and lets you switch between the combined view and the country view. Accounts are fed today by importing a PDF statement, a photo, a CSV or an OFX file, or by typing them in.
Six simulators, with your figures in them.
Income tax, deductions, year-end decisions, commuting costs, tax class, property capital gains. The "fill with my data" button pours your real amounts into the simulation, only when you ask for it. The rest of the time the simulators stay empty and your accounts stay out of them.
When it is not all in euros.
A Swiss franc account, an old sterling account, a broker line in dollars: each keeps its own currency, and the total shows in the one you picked. That is the multi-currency question, and most French budgeting apps skip it because they assume you live in a single country.
What it costs.
The free tier asks for no card. Paid plans start at 5.99 € a month, the tax simulators and optimisers sit above that, and every paid plan opens a 14-day trial. Payments are not open yet: early adopters start with 3 months of Plus free.
Frequently asked
Can I track accounts in two countries at once?
Yes. A Luxembourg account and a French, Belgian or German one sit in the same dashboard, and net worth covers both. You can still read the figures country by country when you need to.
How are different currencies handled?
Every account keeps its own currency and the total is shown in whichever one you pick. A Swiss franc account does not turn into a euro account in your history, it is only converted for the total.
Do the tax simulators handle a cross-border situation?
Luxembourg is the first country covered, and the six simulators handle residents and cross-border workers alike: income tax, deductions, year-end decisions, commuting costs, tax class and property capital gains. These are educational estimates, not tax advice.
What is the tax class simulator for?
It puts a number on what your tax class costs or saves over a year, which helps when a couple is weighing up joint taxation. You see the amount before filing rather than when the assessment lands.
Does my bank connect automatically?
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 add the account by hand in about thirty seconds.
What does it cost?
The free tier asks for no card. Tax simulators and full tracking sit in the paid plans, starting at 5.99 € a month with a 14-day trial. Payments are not open yet and early adopters start with 3 months of Plus free.
December's tax bill, seen in November.
The demo opens with no account and no email. The free tier asks for no card.
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