Tax
Cross-border worker tax in Luxembourg
Taxed at source in Luxembourg, declared where you live. What the treaty really prevents, and what remote days change.
Avuru Finance. Budget and net worth, for everyone.
Avuru Finance is a budget and net worth app. It brings your bank accounts, your investments and your currencies onto one screen, without you having to spend your evenings on it.
Free to start · no card · read-only PSD2
See Avuru in actionapp.avurufinance.com · your cockpit
◆ Overview
◇ Transactions
◇ Budgets
◇ Goals
◇ Investments
◇ Documents
Net worth · 4 banks · 1 broker · 3 currencies
€ 482,310
▲ +3.2% over 30 days · +18% over 12 months
Avuru Assistant
Am I on track for the deposit?
Yes, March 2029.62% funded, 2 months ahead of plan.
Home depositMARCH 2029
Read-only
PSD2 via licensed aggregators. Avuru can never touch your money
0% commission
No fees taken from your assets, and your data is not for sale
Multi-currency
EUR, USD and CHF in one place, for money that lives in more than one country
Luxembourg
Designed and hosted in the European Union, GDPR-native
Who it's for
Built for lives like yours.
Three situations we see all the time, whether you live in Luxembourg, Geneva or much further away. If one of them sounds familiar, Avuru will make your life easier.
Your money lives in more than one country
A salary in Luxembourg or Geneva, an old account back in France or Belgium, maybe a third one in Dubai. Avuru pulls everything into a single number, whatever the currency.
See every account, every currency →
You're earning your first salaries
Your savings sit in a current account and you'd like to invest, without quite knowing where to start. What matters is starting, even small.
See what time produces →
You juggle a whole family's plans
House deposit, the kids' studies, holidays: everyone wants a share of the budget. Each goal gets a priority level, and the money follows that order.
See budgets by need →
The numbers
The need is documented.
We are not inventing the problem. Here is what public statistics say, each one with its source.
126,600
cross-border workers living in France work in Luxembourg in 2025. That reaches close to 258,000 by 2030. IGSS, via AGURAM
+65%
average salary gain for a cross-border worker, compared with a similar job in France. INSEE, 2025
62%
of French people do not know what their fixed monthly costs add up to. OpinionWay, January 2026
€1,500
fine per undeclared foreign bank account in France. Which assumes you can see them all in the first place. Les Frontaliers
01 · See
See it in the demo →
Net worth: every account, every currency, one number.
Hard to decide well without seeing the whole picture. Read-only banks, brokers, crypto, real estate, loans: Avuru adds up what you own, subtracts what you owe, and keeps the number current automatically.
Read-only PSD2 connection: your credentials stay with your bank
AI categorisation that remembers your corrections for good
Document vault with OCR and expiry alerts
Runway gauge, or how many months you'd last with no income
BGL BNP Paribas 2 accounts · PSD2184,210 €
Spuerkeess 1 account · PSD246,830 €
Trade Republic Portfolio · API128,400 €
Real estate Tracked estimate253,040 €
Mortgage Remaining− 130,170 €
Net worth482,310 €
02 · Act
See it in the demo →
Where does your money go? Take it back.
Before growing anything, it helps to stop losing. The AI audit finds forgotten subscriptions, duplicates and above-market contracts, then drafts your negotiation script.
Subscription audit: unused services and duplicates surface on their own
Predictive sentinel that flags a low balance or an anomaly before it bites
Round-up savings: each purchase is rounded up, the difference set aside
Luxembourg tax calendar so you stop missing deadlines
Gym Unused for 6 monthsCANCEL
Video streaming Duplicate detectedDUPLICATE
Car insurance 28% above marketNEGOTIATE
Music Used dailyKEEP
Recoverable this month+ 74 € / mo
03 · Steer
See it in the demo →
Your investments work. You see how far.
You can't improve what you don't measure. Avuru works out your real performance after fees across every broker, and recalculates each night the date each goal will be reached.
Real performance (TWR), net of fees, across all your brokers
Dated goals: "deposit reached in March 2029", recalculated nightly
FIRE counter showing the age when working becomes a choice
What-if scenarios to test a big decision before you make it
Or put numbers on your own path in the FIRE calculator, no account needed.
38 months
of future freedom already bought, or 14% of your independence
04 · Prioritise
See it in the demo →
Essentials first, dreams next.
An emergency fund and a world trip don't carry the same weight. Every savings goal sits on one of five levels of need, from survival up to fulfilment, and your savings fill what matters most first.
Five levels of need, suggested from the goal's category and adjustable anytime
Goal pyramid: your priorities at a glance in Insights
"Can I afford it?" works out what you'd have left to live on before you decide
Saving towards a home? The rent or buy calculator works out the break-even year.
Emergency fund Safety100%
Home deposit Safety62%
Wedding Belonging40%
World trip Fulfilment12%
"Can I afford this €1,400 bike?"Yes · €812 left to live on
Guidance · goalsSoon
What to do with 10,000 euros? Or 50,000 euros?
A bonus or an inheritance, and there you are with 10,000 euros sitting in a current account. Or 5,000, or 50,000: the question is the same. Avuru guides you by your profile and goals: what exists, what fits your investment horizon, and the point where a licensed professional becomes useful.
Profile and goals: a few questions are enough for a first orientation
What exists, explained without jargon: savings accounts, life insurance, ETFs or real estate, with their benefits and their fees
A first roadmap so you know where to start
When to see a pro: Avuru tells you when a licensed adviser is worth it
Educational guidance only: Avuru does not give personalised investment advice. The final decision is always yours.
Join the list →Safety cash, buffersSavings · € fund
Growth long horizonPEA · world ETF
Wrapper tax-efficientLife insurance
Real diversificationReal estate · REITs
When to see a pro> €100k or complex tax
Tax
Luxembourg tax: pay what you owe, not a euro more.
Tax is something you can prepare ahead of time, wherever you pay it. Luxembourg comes first: six simulators connected to your accounts put numbers on your real situation, whether you are a resident or a cross-border commuter. More countries will follow.
Six simulators: income tax, deductions, year-end, commuting expenses, tax class, property capital gains
"Fill with my data": your accounts fill the simulation in one click, and only when you ask
Pro optimisers to price joint taxation or a year-end pension payment before you commit
Indicative, educational estimates: Avuru is no substitute for a tax adviser. For a complex situation, have a professional check the numbers.
Estimate my tax, no account →All six calculators are open to anyone: see the eleven free tools.
Effective rate marginal rate 42%23.4%
Deductions detected 3 items not declared− 2,840 €
Pension savings pay in before 31 Dec3,200 € max
Commuting allowance kilometre flat rate− 2,376 €
"Fill with my data" only on requestOPT-IN
Reclaimable if you act≈ 1,190 € / yr
Intelligence · Native AI
AI assistant: ask, get the answer.
You ask the question, Avuru reads your accounts and answers within seconds, with no spreadsheet to open and no report to wade through.
The assistant prepares, you confirm: it never changes your data on its own.
Try the assistant →
Avuru · Assistant
Question
"How much did I spend on restaurants this quarter?"
Answer
€ 1,847.
23% higher than Q1. Peak in March during the Milan trip.
Avuru Connect · Pro
Run Avuru from your chat.
A finance app is always one more app to open. Avuru Connect removes that step: generate a key, paste it once into the assistant you already use, and talk about your money in plain language, without switching windows or relearning an interface.
Ask instead of clicking: “How much did I spend on groceries this month?”, “Why is my food budget over?”. Your real numbers, not generalities
And it acts, if you decide so: “Log €20 at Starbucks”, “Set my transport budget to €150”. Read-only or read-and-write, you choose when you create the key
“Undo that” works: every change is reversed from the conversation, without going to find it in the app
One key, one paste: Claude on the web, Claude Desktop, Claude Code, Cursor, and any assistant that speaks MCP, the open standard behind all of this
You are told whenever a key connects from somewhere new, it is all in your activity log, and you revoke in one click. A key carries your rights and never more: account deletion, security and billing stay out of an assistant's reach.
Discover Avuru Connect →“How much did I spend on groceries this month?” searches your transactions€ 412
“Log €20 at Starbucks” expense recordedDONE
“Actually, undo that” native undoUNDONE
New connection detected notification + activity log14:02
Revocable at any time1 click
FAQ
Your questions, our answers.
What is Avuru Finance?
Avuru Finance is a personal finance app built in Luxembourg. It brings your bank accounts, investments and multi-currency budgets onto one screen, read-only, with data hosted in the European Union.
How much does Avuru Finance cost?
The free plan is enough to get started, and no card is asked. Paid plans are Lite at €5.99, Plus at €15.99 and Pro at €36.99 a month, or €349.99 a year for Pro.
Can Avuru touch my money?
No. Bank connections are read-only, through PSD2 and licensed aggregators. Avuru never sees your credentials and cannot place any order: that limit is structural.
Does Avuru work for cross-border workers?
Yes, they are the first audience. A salary in Luxembourg or Geneva, accounts left in France or Belgium: everything comes back to one number, whatever the currency. Our cross-border guides cover the specific cases.
What is Avuru Connect?
You generate a key in Avuru, paste it once into your AI assistant, and manage your money by talking to it: ask about your spending, add a transaction, change a budget. It's part of the Pro plan, with a 14-day trial.
Which assistants work with it?
Claude on the web, Claude Desktop, Claude Code and Cursor, and more broadly any assistant that speaks the MCP protocol. The same key works everywhere.
Is it safe to let an AI reach my finances?
The key carries your rights, and nothing more. When you create it, you decide whether the assistant can only read or also write. You get an alert on every new connection, everything is logged in your activity history, and a key is revoked in one click. Account deletion, security and billing stay out of an assistant's reach.
Can the AI change my data, and can I undo it?
It only changes something if you gave it a write key. And every change can be undone: you say “undo that” in the conversation, without reopening the app.
What is MCP?
The Model Context Protocol is an open standard that connects an AI assistant to an outside service. Avuru Connect is built on it, so any MCP-compatible assistant can work with your Avuru data.
Do I need a specific plan?
Yes, Avuru Connect is part of the Pro plan. The 14-day trial gives you access.
Time, your best ally
Compound interest: time does most of the work.
5,900 €
what your saving effort produces in 36 months.
Start with what you have, as early as you can. The rest is consistency.
Or push the numbers further in the compound interest calculator, free and without an account.
Indicative projection, 6% average annual return, excluding inflation. Educational simulation, not investment advice.
Guides
Cross-border tax, net salary, compound interest: the answers before the tool.
Each guide answers a question people type into Google, cites its sources, and ends on the calculator that runs the numbers with your own figures.
Savings
Compound interest calculator
The formula, a live calculator, and what €150 a month becomes over ten, twenty or thirty years.
Salary
Luxembourg net salary
CCSS contributions line by line, withholding by tax class, and one full example from gross to net.
Pricing
The prices, published early.
No hidden fees and no commission on your assets. Payments are not open yet: today you open a free account, and your first 14 days unlock everything. Here is what the plans will cost when billing opens, told now rather than at the moment you reach for a card.
Free
€0 / forever
Free for life, no card
Finally see the whole number.
- 2 accounts connected
- Transaction tracking
- Manual categorisation
- Public calculators, no account needed
Lite
€5.99 / month
or €54.99 a year
Every bank, without counting.
- Unlimited accounts
- Everything in Free
- Priority support
Plus
€15.99 / month
or €149.99 a year
Budgeting, AI and your documents.
- Full budgeting and detailed analysis
- AI insights and subscription detection
- OCR statement import, PDF export
- Dated wealth statement
- Document vault
Pro
€36.99 / month
or €349.99 a year
For wealth that does not fit one box.
- SCI, joint ownership and split ownership
- Luxembourg and cross-border tax calculators
- FIRE planner with Monte Carlo
- Scenario comparison
- Avuru Connect, driving Avuru from Claude
Prices in euros, Luxembourg VAT included (terms). The 14-day trial opens every plan and asks for no card: when it ends, the account returns to the free tier for as long as payments stay closed. Nothing can be charged without you asking for it.
Security
Avuru can't touch your money. By design.
Read-only
PSD2 via licensed aggregators. Avuru never sees your credentials and can place no order: it's structural.
AES-256
Encryption at rest and in transit, keys in a dedicated hardware module, every request signed and logged.
EU sovereign
Data hosted in the European Union, GDPR compliant, no cross-jurisdiction transfer.
Your data is yours
Full export anytime, permanent deletion in one click. And your data is never resold.
Transparency on our certifications: GDPR and the PSD2 framework are effective today, external audits are underway. Each report will be published once obtained. A specific question? Write to security@avurufinance.com
Early adopters · ReferralsPre-launch
Up to 12 months of Plus, free.
The first sign-ups get 3 months of Plus when the account opens. Each referral adds more: 6 months at the 10-referral tier, then 12 months maximum at 100. The programme gives out months of Plus, not cash.
3 months of Plus, free for every account opened during the 90-day early-adopter window
Referral tiers: 6 months up to 10 referrals, 12 months maximum up to 100, counted on real, active accounts
Honest from day one: your referrals already count, and rewards are credited when the programme launches
Offer subject to terms: 12 free months at most, never convertible to cash.
Start for freeEarly-adopter sign-up when the account opens+ 3 mo
10-referral tier real, active accounts6 mo
100-referral tier programme ceiling12 mo
Maximum value, free12 months of Plus
Avuru started with an annoyance: four banks, three currencies, no idea of the total.
Ten years on, the obsession hasn't moved.
Show you an honest number, and what it makes possible.
What comes next is your story.
The product is built with you.
Ask your questions on the forum and vote for the next features. That's where the product gets decided.
Avuru Finance. Budget and net worth, for everyone.
Starting today, if you want. Free to start, and opening an account takes a minute. If Avuru isn't for you, delete everything in one click.
Start for freeOr explore the demo first, no account or email needed.