You have moved to Luxembourg. Your money is still scattered.
An account opened here last week, a savings account left open back home, a brokerage nobody wants to close, maybe a flat still rented out. No bank will hand you the sum of all that, and the first Luxembourg tax assessment arrives without warning.
What this does not replace
- A tax adviser, especially in the first year, when income lands in two countries.
- A notary or a lawyer on a cross-border estate.
- Your bank: Avuru reads, it does not move money and places no orders.
What it sorts out straight away
- A net worth figure that finally counts the accounts you left abroad.
- An estimate of your Luxembourg tax before the assessment arrives.
- The wealth statement a bank asks for on a mortgage application.
- An interface in English or French, whichever you would rather read your figures in.
The moment when everything is still a mess.
The old accounts still count.
Plenty of people who move keep an account, a savings product or a policy back home, usually because closing it costs more than it returns. Those accounts go into Avuru by statement import or by hand, each in its own currency, and stop being a grey area in your net worth.
The Luxembourg assessment, before it lands.
Luxembourg is the first country the simulators cover, for residents and cross-border workers alike. Tax class, deductions, commuting costs, decisions to make before 31 December: you see the amounts while you can still act on them. They are estimates rather than advice, and that distinction matters most in year one.
What the bank is about to ask for.
A Luxembourg mortgage starts with a record of what you own and what you owe. If your accounts are already in Avuru, the wealth statement prints to PDF and exports to CSV, instead of being rebuilt in a spreadsheet the night before the meeting.
What it costs.
The free tier asks for no card. Paid plans start at 5.99 € a month, the wealth statement and the simulators 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
I am keeping accounts in my home country, is that a problem?
No, it is the expected case. Accounts left abroad sit alongside Luxembourg ones in the same dashboard, each in its own currency, and net worth covers all of them.
Does Avuru help with my first Luxembourg tax return?
It works out the numbers, it does not file. Six simulators cover income tax, deductions, year-end decisions, commuting costs, tax class and property capital gains. These are educational estimates: for a first year with income in two countries, have it checked by a professional.
Can I prepare the file the bank asks for?
Yes. The wealth statement produces a dated record of your assets and liabilities, printable to PDF from the browser and exportable as CSV. It is the document asked for before a mortgage or a bank meeting.
Is the app available in English?
Yes, in English and French. That helps in a country where your employment contract, your lease and your tax assessment are not necessarily written in the same language.
How do I add accounts opened abroad?
By importing a PDF statement, a photo, a CSV or an OFX file, or by typing them in. Automatic bank connection is still being built, and it would not have covered every bank outside the SEPA area anyway.
Where is my data hosted?
In the European Union, and deleting your account wipes everything in one click. Avuru cannot move money: there is no payment instruction anywhere in the product.
The country changed. Your net worth should still be readable.
The demo opens with no account and no email. The free tier asks for no card.
Start free