See the whole picture.
Accounts, investments, property and loans: understand what you own after subtracting your debts.
Your net worth in one number
Budget, net worth & goals
Your budget.Your net worth.Your freedom.
Avuru Finance helps you understand and manage your budget and net worth, then plan around what matters to you. From a first budget to assets in several countries, see your accounts and investments in one view, across currencies.
Avuru Connect: your budget in your AINo card requiredRead-only bank access
Put a date on my plans
Your net worth, together.EUR
Your net worth
84,250€
Last 6 months+ €8,150 since April
Accounts & savings€12,450
Investments€31,800
Property, net of debt€40,000
Monthly income
€4,200After expenses
€1,220Housing€1,450 / €1,500
Groceries€460 / €550
Transport€230 / €300
Leisure€190 / €250
Other expenses: €650 · Monthly total: €2,980.
See what is left before making a decision.
An emergency fund60 %
€3,000 of €5,000
A deposit for a home25 %
€12,000 of €48,000
A trip to Japan33 %
€1,500 of €4,500
Explore your budget and goals.
Your life crosses borders.
Your overview can too.
€EurosCHFSwiss francs$Dollars
One complete picture
Your finances, finally
in perspective.
Understand what you own, what you spend and how much you can set aside for your next goal.
Make room for what matters.
Tell Avuru what you want to keep. It looks for savings everywhere else, and explains each one.
Your priorities guide your choices
Plan what comes next.
Turn an idea into a savings goal. Try a monthly amount and adjust it as your life changes.
A clear next step
An example in Avuru
Your bank knows your balance. Avuru learns what it is for.
You say what to protect. Avuru looks for savings in the rest and explains each one. You tell it, it does not guess. Nothing changes without your agreement.
Explore the demoMy monthIllustrative preview · fictional data
Protected
- Gym€80
- Family time€170
Flexible
- Restaurants
€250down to €190 - Shopping
€200down to €140
Income€4,200
Planned expenses€2,730was €2,850
Towards my goal€770was €650
Remaining after expenses and goal€700
My future home€12,000 saved towards €48,00047 months instead of 56
25%Built around your finances
Your budget and net worth,
in one view.
Avuru starts with Luxembourg’s residents and cross-border workers. Accounts, budgets, investments and life goals come together so you can see where you stand and test what comes next.
Net worth: beyond your bank balance.
Accounts, investments, property, loans and different currencies: see assets and debts together. A net worth statement gives you a dated snapshot.
Net worth is the same figure on every screen. Each amount is converted into your currency at the rate of the statement date, and an amount with no rate stays out of the total, which says so instead of guessing.
Explore the net worth statementHow to calculate net worth, step by step| April | September | |
|---|---|---|
| Accounts & savings | €11,200 | €12,450 |
| Investments | €29,100 | €31,800 |
| Property, net of debt | €35,800 | €40,000 |
| Net worth | €76,100 | €84,250 |
+ €8,150 since April
Budget forecasting: see the months ahead.
Track spending categories, recurring subscriptions and cash flow forecasts. See what is left after expenses and what could fund a goal.
My financial profile shows which months weigh most in your year, when in the month you spend and which categories make up most of the total, over the period and the accounts you choose, for your spending and for your income. It points out transfers between your accounts that are counted as spending. No savings proposal touches the spending you protect in My essentials.
Understand cash flow forecastingAnalyse your spending over a yearWorking in Luxembourg: two countries, one view.
A salary in Luxembourg, a home and accounts in another country: explore cross-border guides and calculators for income tax, deductions and tax classes.
Explore cross-border resourcesScenarios for bigger decisions.
Change your savings, timeline or a property purchase. Compare scenarios and explore financial independence with explicit assumptions.
Explore the FIRE plannerYour documents belong in the picture.
Import statements, find transactions and keep supporting documents in the vault. Plus and Pro include OCR imports and PDF exports.
Compare plansYour goals, in your order.
An emergency fund, a deposit, a career break: give each goal an amount and a timeline. Track needs and goals to organise your savings.
- A home€12,000 of €48,00025%
- Time for myself€6,000 of €18,00033%
- A big trip€1,500 of €4,50033%
Your groceries, priced before the shop.
Avuru estimates your list from the last prices you noted and compares it across the stores you have prices for. In the aisle you tick items off, even offline. Next week, a copy starts over with every item unticked.
Read the grocery budget guide- Semi-skimmed milk2 L€1.90
- Wholemeal bread1 piece€2.45
- Tomatoes1 kg€3.20
- Ground coffee250 gprice unknown
- Estimated (at least)
- €7.55
- Cap
- €40
- Items without a price
- 1
Avuru Connect
Your budget, in your AI assistant.
Bring your accounts and budgets into your compatible assistant. Ask about your spending, record a purchase or adjust a budget with the permissions you have granted.
Claude and Cursor: documented setups. Other assistants: compatibility to be confirmed.
Discover Avuru ConnectIncluded in Pro. Read-only by default. You can allow changes and revoke your key.
Changes affect your Avuru data. They do not move money in your bank.
ChatGPT : Avuru compatibility to be confirmed
Claude : Documented setup
Grok : Avuru compatibility to be confirmed
Gemini : Avuru compatibility to be confirmed
avuruMonthly budgetGroceries€550
€460Spent
Example answer
How is my grocery budget doing?
You have €90 left.You have spent €460 out of €550.
Illustrative demo · fictional data
Discover Avuru ConnectPrefer to stay in Avuru? Explore the built-in assistant with fictional data.
Explore the assistant in the demo
Your next chapter
Your savings goal.
How long will it take?
Start with something that matters to you. Change the amounts and see how the timeline moves.
€
€0€48,000
€50€2,000
Fictional example with fixed monthly contributions, excluding returns, inflation and tax. The housing goal is a deposit. This is not investment advice.
Your estimated timeline
56 months
Your deposit is funded in 4 years and 8 months.
Your cumulative savingsYour goal
Your priorities are yours. They can change.
Track my goals with AvuruUnderstand before deciding
The explanation.
Then your own numbers.
Tax, savings and financial independence: guides with sources, examples and a calculator to try.
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.
Savings
Compound interest calculator
The formula, a live calculator, and what €150 a month becomes over ten, twenty or thirty years.
Retirement
Becoming financially independent
The link between spending, capital and savings. A six-step explanation with explicit assumptions.
When should you put your bins out?
Find upcoming waste collections for your commune and street in Luxembourg.
Find my collection days
Free, no sign-up. Dates depend on the data published for your commune.
Trust in practice
Trust.
With clear boundaries.
Understanding your finances starts with knowing what the app can do.
How your data is protectedYour banks stay read-only
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.
Designed in Luxembourg, hosted in the EU
Built for finances that cross borders, with an explanation of how your data is handled.
You have the final say
No budget changes without your agreement. Private life events are never sent to the AI, and you can export or erase what you declared in My financial profile. You can also turn off conversation history storage in the Avuru assistant. The AI uses external providers to answer your questions.
At your pace
Avuru Finance pricing.
Room for your plans.
Registration is currently free and payments are not yet open. Your 14-day trial includes all features. These are the announced prices for when paid plans launch.
Free
For a clear overview.
€0/ forever
No card required
- 2 connected accounts
- Transaction tracking
- Manual categorisation
- Public calculators
Lite
For all your accounts.
€5.99/ month
€54.99 billed yearly
- Everything in Free
- Unlimited accounts
- Priority support
PlusBudget & goals
For budgets, AI and documents.
€15.99/ month
€149.99 billed yearly
- Budgets and detailed analysis
- AI assistant and insights
- Subscription detection
- Document vault
Pro
For more complex finances.
€36.99/ month
€349.99 billed yearly
- SCI and joint ownership
- Advanced tax simulations
- Projections and scenarios
- Avuru from your AI assistant
Announced prices include VAT. After the trial, your account returns to Free while payments remain closed. No charge without your agreement. Read the terms.
Worth sharing
Discover Avuru together.
Find your referral link in the app, along with the terms for referral rewards.
Create my accountA product you can help shape.
Share feedback, ask questions and follow product updates in the Avuru community.
Join the communityBefore you start.
The app, your data and your AI assistant: answers to your questions.
What is Avuru Finance?
Avuru Finance is an app to understand, manage and plan your financial life, from a first budget to assets across countries. It brings accounts, budgets, investments and life goals into one view, across currencies. Built in Luxembourg and hosted in the European Union, it starts with Luxembourg’s residents and cross-border workers.
How is Avuru different from a budget app or a wealth tracker?
A bank app shows one bank. A budget app shows your spending, a wealth tracker shows what you own. Avuru brings accounts, assets, debts and goals into one view, then asks what matters to you: you mark the spending you want to protect, and no savings proposal touches it. Protecting your spending is free. Savings proposals are part of the Plus plan.
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. Avuru starts with Luxembourg’s residents and cross-border workers. A salary in Luxembourg, accounts, a home or investments in another country: you can track your budget and net worth across currencies. 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.
Your next chapter
starts here.
Take a moment to see what comes next.