Auren · Personal Financial Planning

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There is no PIN reset. Your records on this device are untouched and a backup file opens anywhere.

See what Pro and Max add, with sample data
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Your trial

Welcome to Auren Max

Your complimentary trial is active. Explore every feature. No payment details required.

Included
  • Ask Auren — answers drawn from your own figures
  • Scenario explanations
  • Personalised next steps
  • Financial knowledge library
How your trial works

Your trial began when you first opened Auren on this device.

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You will not be charged. When each stage ends, its features simply lock again — your data is never affected. You can end the trial early at any time from Settings › Your plan.
Now on
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{{ welcomeMood }}. Here is what opens up.
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A

Welcome to Auren

Sign in or create an account to record your own figures.

The figures already on this device are safe. Sign in to keep working with them.

Your financial figures stay on this device. Only your email, a check-value made from your password and your device list go to the Auren account service.

Learn more

Signing in needs the internet once. After that Auren works fully offline. The sample data needs no account and is kept apart from your own figures: nothing in it is saved to your profile. Your password never leaves this device: only a check-value made from it is sent.

One short step

What should Auren call you? You can skip this.

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A

Let’s set you up

Start with only what matters to you. Everything here is optional except your currency, and you can change any of it later.

About you

Only the currency matters here. It is what every total is reported in, and it can be changed whenever you like.

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Where do you keep your money?

One account is enough to start. Its balance follows from this opening figure plus everything you record afterwards, so it can never drift from your own ledger. Leave the name blank to skip.

Do you own anything worth recording?

A deposit, a fund, some gold, a home. Money already sitting in the account above does not belong here — that is counted through the account, and recording it twice would inflate your net worth. Leave the name blank to skip.

Do you owe anything?

A loan, a card, money owed to family. Give the amount originally borrowed, the rate and the term, and the planner works out what is left. Leave the name blank to skip.

What are you saving for?

Give an amount and a date and the planner will tell you what it takes each month, and later — once you have recorded a month or two of income and spending — whether that fits what you actually have spare. Leave it blank to skip.
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Your financial figures stay on this device. Only your email, a check-value made from your password and your device list go to the Auren account service. Auren works offline.

How Auren works

Eight short steps. You can reopen this any time.Tap one to read it.

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No matches found.

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A
Opening Auren…

Auren

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Personal Financial Planning · {{ profileLine }}

Offline

Market rates

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Gold · per gram
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Currencies · 1 unit in INR
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Silver · per gram (999)
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Reference figures for information. No live provider is connected yet.

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Build status

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Done
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Next
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A newer version of the app has been downloaded. Nothing you have entered is affected; it takes effect when you reload.
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Loading was stopped to protect your data

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Kept on this device only. You can change it in Settings.
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Welcome to Auren

Your financial picture, made clear.

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Nine measures of how well the money is run, each scored out of 100 against the fixed standard for your age band, then weighted. How much you are worth is not one of them.

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Financial health
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Split & Settle
Split a bill and keep track of who owes whom.
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Where is your money?

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Add an account or a holding and this shows where your money is.

Your net worth over time

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Not enough history yet to show a trend. Each month you use Auren adds a point.
Ask Auren
Answers worked out on this device from your own numbers.

What matters now

Nothing needs your attention yet. Add accounts and a month of transactions and the important changes show here.

Recommended next steps
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What drives your score

Strongest
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Nothing scoring well yet.
Weakest
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Nothing scoring badly yet.
Needs attention
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What you own against what you owe

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Money in and out, by month

from your transactions

Transfers between your own accounts are left out, so moving money never looks like earning or spending it.

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No money in or out yet

Transactions show where your money goes each month.

Goals

from your data

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{{ g.current }} saved · needs {{ g.needs }} {{ g.feas }}
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No goals yet

A goal lets Auren show what it needs each month and whether that fits.

This month against the plan

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The nine measures

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Each is scored out of 100 against the standard for your age band, then weighted. How much you are worth is not one of them.

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How the whole thing is meant to work

Six stages. Each one feeds the next, which is why the phases are built in this order: nothing downstream is trustworthy until what came before it is real.

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Cash in your accounts
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A balance is never typed in twice. It is the opening figure plus every transaction since, so it always matches what you have recorded.

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AccountTypeOpeningBalance nowSince
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No accounts yet

Accounts are where your money sits. Add the one you use most; a name and today’s balance is enough. The form is just below.
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Type part of the name, or pick from the list.
Not listed? Give the account a name below; you can add the bank's name under More details.
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Holdings that could become accounts

These came across as holdings, which is why they are not accounts already. Converting one is optional, explained before it happens, and leaves net worth unchanged.

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Converting “{{ conversionName }}” will do this
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Converted holdings, no longer counted as assets
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Money you lent

Money you gave someone that they will pay back. It is still yours, so your net worth does not change.
Money you lent
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Still owed to you
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Nothing lent yet.

Lend money

Start typing to pick someone you have added before.
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You lent
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Still owed to you
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Record a repayment
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History
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Split & Settle

Split bills with friends, family or colleagues.
Make a group for a trip, a flat or a team. Add people once; every expense after that uses them.
You are owed
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You owe
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Lent someone money outside a group?

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People
You are included automatically.
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People you've split with
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You are owed
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You owe
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This group is archived. Its records are kept.

Balances

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Recent expenses

No expenses yet.
Delete this empty group?
Nothing has been recorded in it.

Add expense

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Paid by
Paid with
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Choose your default card once
Used whenever you pick Card. Change it any time in Settings › You.
None of your accounts change.
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Who shares this?{{ exInCount }}
Split
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Your share counts as {{ ex.category }} spending.
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Your expense is still here. Pro is \u20b929 a month with no limit.
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Shares

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Settlements

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Add a bank account or cash balance first.
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Share summary

Only these shared expenses are included: never your balances, net worth, goals or other transactions. There are no shared links yet; you send the text yourself.

Earlier splits

Splits made before groups. Settle them here.

Record a repayment

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Pay someone back

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Your account goes down and what you owe goes down by the same amount. It is not counted as new spending.

Outstanding

Nothing outstanding. Split a bill to see who owes whom here.
You owe
You owe {{ o.person }}
{{ o.what }} · {{ o.date }} · Your share {{ o.share }}
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you still owe
Owed to you
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{{ o.date }} · Total {{ o.total }} · Your share {{ o.share }}
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still owed to you

Recent history

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Transactions show what happened with your money. You never need to add them to your net worth.
  • Spending from an account lowers that account's balance, so your net worth follows automatically.
  • What you own and what you owe live in Bank & cash, Assets and Liabilities. A car is an asset and its loan a liability; you add them once, not with every purchase.
  • Your net worth is what you own minus what you owe.
  • Moving money between your own accounts is a transfer, never spending.
  • Owe a friend or a shared group (for example on Splitwise)? Add the total once under Liabilities as "Loan from family / informal". If they owe you, add it under Assets as "Money owed to me".

Amount, category, account, date. Everything else is optional and tucked away. A transfer between your own accounts moves both balances and never shows up as income or spending.
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Paying a card bill? Use Pay a credit card bill, so the card debt goes down and your net worth stays right. A transfer into a card account does neither.
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No category found. Try another word, or browse all categories below.
No account added yet
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Nothing to show yet

Record a month of money in and out under Transactions, or try the demo data to see a full month.

Cash flow is worked out from the transactions you record, so it stays empty until there are some. An opening account balance on its own is not income — it is money you already had. Record a month of what comes in and goes out under Transactions, or load the demo data to see a populated month.

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Some amounts are missing from these figures

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Add a rate for those currencies under Settings and they will be included.

Money that moved but was not earned or spent

Shifting your own money around is not income, and it is not spending. Moving money from one of your accounts to another leaves your total cash exactly where it was, so none of the figures above move. The same goes for money you put into investments: it left the account but it is still yours.

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What you had to spend, against what you chose to
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How much of your income the loans take

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How long you could last if income stopped

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Where the money went

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Transfers and investment contributions are not here, because neither is spending.

Where the money came from

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How this month compares

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Month by month

Green is what came in, red is what went out. Only months with recorded activity appear, so a quiet month never drags the averages down.

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Max · Help me make financial decisions

Ask your money a question. Get the answer, the working and the next move.

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What it does
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What Auren uses
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Not your numbers. Your own result appears once the feature is unlocked.

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Gold

Per gram · INR
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Silver

Per gram · 999 · INR
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Currencies

1 unit · INR
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Your holdings at these rates

Estimated market value

No gold or foreign-currency holdings yet. Gold is valued from its weight and purity, so put 24K, 22K or 18K in its name.
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A reference value, not a quote or a selling price. Your totals still use the figures you recorded.

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This view is for the founder only

Nothing about your money is shown here in any case.
Founder only {{ fcScope }}
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Collection

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What if?
Change one thing. See what happens.
Uses a copy of your numbers. Your real information is not changed.
What would you like to change?
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Not enough information yet to test this.
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Scenario onlyYour real numbers are unchanged.
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What happens?
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Why?

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Everything on this page is just a scenario. It runs on a copy of your figures and is thrown away when you leave, unless you save it as a note. Nothing here can change your accounts, transactions, holdings, debts or goals.

What would you like to change?

A copy of your figures. Nothing real changes.

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What would change

hypothetical

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· {{ a.text }}
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{{ g.name }}needs {{ g.before }} → {{ g.after }} {{ g.delta }}{{ g.verdict }}

Which goals are competing

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Scenarios you have saved

Notes to yourself. None of them affects a single figure.

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Can I afford this?
See how a purchase could affect your money and your plans.
What are you thinking of buying?
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{{ afWhat }} · checked against a copy of your numbers
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Why?

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Full check: every option

Three things decide the answer: whether you can pay for it without eating the emergency cushion, whether the monthly cost fits what you actually keep, and whether your goals still get funded afterwards. Something can pass the first two and still be a bad idea because of the third.

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How we calculated it

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What the borrowing would cost

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What it would do to your goals

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What would make it work

Each with the figure it would take. Which one to pull is your call.

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Ask about your money

Ask Auren practical questions about your money. Each answer uses the information you have entered on this device.

Ask in your own words. Every answer is worked out on this device by the same engines behind the screens, and shows how it was worked out it used.

Ask in English or Hinglish. Typos are fine, and amounts like 50k, 2.5 lakh or 1 cr work.

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Read as: {{ intelReadAs }}

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Next step
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Matching questions

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Not enough information yet

Record a month of income and spending under Transactions, and your month will show here.

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What this means

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Your plan for {{ mpPeriodLabel }}

These start from what the planner worked out for you. Change any line; leave one blank and it falls back to your own history.
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Planned against actual, line by line

The pale bar is the plan, the solid one what happened. Debt payments sit on their own line, so they are not counted twice inside essentials.

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Can your goals be paid for?

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No age is on file, so the general standard is being used. Adding your age in Settings applies the published standard for your five-year band instead.
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Financial health
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Emergency cushion

Money you could reach quickly if income stopped. We look at what you regularly need each month and suggest a buffer that could cover several months of it.

You have
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Auren's planning target
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Not enough information yet. Record a month of spending or a loan payment so Auren knows what you regularly need.

The weakest points, and what would fix them

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{{ f.value }} · {{ f.weight }}
{{ f.scoreLabel }} {{ f.bandLabel }}

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How it is judged

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How we calculated it

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How your score is calculated

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What each measure is worth
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The age standards

Twelve fixed five-year bands. These are part of the method and cannot be edited. Yours is marked.

BandStageCoverSaveInvestDebt/incLiquid
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What the score does not measure

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Everything you own
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Money sitting in your accounts is counted through Accounts, not here, so it is never counted twice.

What do you own?

Type it, or pick below. We'll ask only what we need.

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Cash and bank balances go under Accounts, so they are counted once.
Not sure what that is. Pick the closest kind below.
Which one?
Or choose a kind
Cash in hand or in the bank? Add it under Accounts, so it is counted once.

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Notes and coins you hold. Money in a foreign-currency bank account belongs under Accounts.
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{{ propShareLine }}
Enter the whole property's value; Auren counts your share. A loan on it stays as you record it under What you owe.
Auren estimated current value
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This comes from Auren’s own depreciation table, not live market prices or a dealer valuation. Real offers also vary with the model and variant, city, service record and accident history.
Not a resale quote. If you know a better figure, type your own below.
{{ assetBalanceNote }}{{ assetPaidHint }}

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Nothing recorded yet. Add whatever you own that is worth keeping track of — a deposit, a fund, some gold, a home, a car. Cash in your bank belongs under Accounts instead, so it is counted once.

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{{ a.typeLabel }} · {{ a.liquidityLabel }} {{ a.detail }}
{{ a.worthLine }}
{{ a.reported }}
{{ a.original }} · {{ a.rateNote }}
{{ a.gain }}{{ a.gainPct }}
Everything you owe
{{ liabTotal }}
{{ liabCount }}

Record a payment against a debt under Transactions and it reduces the debt by its principal part while booking the interest as spending.

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{{ liabKindLabel }}
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How many monthly payments you have made so far. A count, not an amount.
{{ liabCardLinkNote }}
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Nothing owed on record. If that is true, good — several of the health measures will read at full marks. If not, add each loan or card and the planner can work out what it is really costing you.

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{{ l.typeLabel }} · {{ l.detail }}
{{ l.reported }}
{{ l.original }} · {{ l.rateNote }}
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{{ l.interestLeft }}
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{{ histHero.months }}
own {{ histSplit.own }} owe {{ histSplit.owe }} · {{ histSplit.oweOfOwn }}
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Net worth now
{{ histHero.change }}
{{ histHero.pct }} over this stretch

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Month by month

{{ histHi }} high · {{ histLo }} low
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{{ histNote }}

What changed over this stretch

{{ h.label }}{{ h.from }} → {{ h.to }} {{ h.change }}{{ h.pct }}

Every recorded month

{{ h.period }} · {{ h.source }} own {{ h.assets }} · owe {{ h.liab }} · net {{ h.net }} · {{ h.change }}
Auren · Monthly Financial Report

A polished summary of one completed month

Your position, charts, cash flow, holdings, goals and health, prepared on this device as a printable report.

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{{ repNote }} Made on this device; your figures are not sent.

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What needs your attention

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Nothing is flagged. Either the records are in good order, or there is not enough recorded yet for anything to be judged.

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Not part of your plan: {{ w.label }} ({{ w.plan }}) . Your figures are all still here — these are particular ways of looking at them.

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{{ reportQuestion }}

{{ reportNote }}
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{{ sec.note }}
{{ r.label }}{{ r.sub }} {{ r.value }}{{ r.flag }}
{{ k.label }}
{{ k.value }}
{{ k.sub }}

{{ goalGapNote }}

{{ goalSurplusNote }}

{{ goalListTitle }}

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{{ goalFundingNote }}

Holdings
Bank & cash

{{ goalDefaultRateNote }} Any growth figure is an assumption, never a promise.

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No goals yet

Goals let Auren show whether your saving is moving toward something specific, and what it needs each month.

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{{ g.category }} · {{ g.priorityLabel }} priority · {{ g.statusLabel }} · by {{ g.byWhen }}
{{ g.feasLabel }}
{{ g.current }} saved of {{ g.nominalTarget }} {{ g.monthsLeft }}
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Needed each month
{{ g.requiredMonthly }}
to reach it on time
You put in
{{ g.actualMonthly }}
each month, recorded
Still needed
{{ g.remaining }}
of {{ g.nominalTarget }}
Done by
{{ g.projectedDate }}
at your current pace
On track for
{{ g.projected }}
{{ g.gapLabel }} {{ g.gapValue }}
Covered by money left over
{{ g.allocated }}
already putting in {{ g.existingMonthly }}
Per year
{{ g.requiredAnnual }}
assuming {{ g.ratePct }} growth
Contributions recorded
{{ g.contribTotal }}
tagged to this goal

{{ g.feasNote }} {{ g.fundedNote }}

{{ s.share }} of {{ s.name }} {{ s.assigned }}

{{ g.trackNote }}

Progress read from {{ g.currentSource }}. A goal never holds money of its own, so nothing here is counted twice in your net worth.

{{ g.inflationNote }}

{{ g.notes }}

How this goal is funded

{{ fundingRule }}

{{ fundingHelp }}
{{ s.name }}{{ s.kind }} · worth {{ s.full }} {{ s.assigned }}

Nothing is funding this goal yet. Point it at an account or holding you already own and the goal starts reading its progress from your real records.

{{ fundMsg }}

What has actually gone in

Read from investment and transfer entries you have recorded that are tagged to this goal. {{ g.contribCount }}.

{{ c.date }} {{ c.label }} {{ c.amount }}

{{ g.contributionGap }}

What happens if growth is different

Each row assumes the money grows at a different rate. Every one of them is an assumption about the future, not a promise, and the first row is the honest floor: what it takes if the money simply sits there.

AssumptionRateMonthlyEnds up atAgainst money left over
{{ s.label }} {{ s.rate }} {{ s.required }} {{ s.projected }} {{ s.fits }}

If it does not fit, here is what each change would cost

Six ways to close the gap, with the working for each. Which one to use is your call.

{{ r.label }} {{ r.detail }}

Reading progress from: {{ g.linkedNames }}. Change what any of those is worth and this goal follows automatically.

What this module will do

· {{ b }}
{{ moduleWhen }}

{{ modulePreviewTitle }}

{{ modulePreviewTag }}

{{ modulePreviewNote }}

{{ r.label }} {{ r.sub }} {{ r.value }}

Nothing recorded yet. Load the demo data to see this populated.
{{ acctHeadline }}
{{ acctEmail }}

{{ acctNote }}

Sent
{{ p.text }}
Never sent
{{ p.text }}

{{ acctPrivacyNote }}

{{ acctMsg }}

{{ acctErr }}

Create an account

An account lets you record your own figures. Your financial figures stay on this device. Only your email, a check-value made from your password and your device list go to the Auren account service.

{{ acctStrength }} {{ acctStrengthNote }}

Create an account

{{ acctSignupSent }}

No email service is set up yet, so the code is shown here for now. A real service would email it and never display it.
{{ acctRefCode }}

Your recovery code

{{ acctRecoveryBody }}

{{ acctShownCode }}

{{ acctRecoveryWarning }}

{{ acctRecoveryReassurance }}

{{ a.text }}

Sign in

Forgot your password

Account recovery is being upgraded and is not available yet.

A code by email confirms it is you. To open your cloud backup you will also need your recovery code — that is the part only you have.

No email service is set up yet, so the code is shown here for now. A real service would email it and never display it.
{{ acctRefCode }}

Delete your account

This deletes your account and its cloud backup. It does not delete the financial data on this device — that stays here and stays yours.

Take a backup file first if you want a copy you can move elsewhere.

Devices

{{ d.name }}{{ d.detail }} Signed out This device

Cloud backup is coming soon — use Backup / Restore to keep a copy.

Developer choices (from Build status)
{{ syncBadge }} last checked {{ syncLast }}
{{ syncHeadline }}

{{ syncNote }}

{{ syncErr }}
Did not match: {{ c.text }}

This stand-in keeps the locked copy on this device, so it is not yet a real backup. Lose the device and you lose it too.
What happens when you back up
{{ s.text }}

{{ syncGuarantee }}

{{ syncMethod }}
Where this stands

{{ acctBackendNote }}

{{ storageNote }}

That file was not restored

{{ restoreProblem }}

{{ p }}

{{ restoreSafeNote }}
Automatic backups held in this browser
{{ b.key }}

None yet. One is written automatically the moment any upgrade, import or reset touches your data.

See how Pro and Max look

Sample data

A look at the paid tiers with the sample household. Nothing is unlocked and your own figures are left alone.

You

Only used to label your own screens. Nothing here leaves the browser.

{{ ageBandNote }}
{{ p.text }}

Split & Settle

Default card: used when you pick Card for a shared bill, so you never choose a card each time.
{{ setCardLine }}

Currency and format

Every total is reported in your chosen currency. Changing it does not rewrite a single stored amount — each account, holding and debt keeps the currency it was entered in, and conversion happens only for display.

{{ lockedCurrencyExplanation }}

{{ p.text }}

Exchange rates

You enter these yourself, and each one keeps the date and source you gave it, so you can always tell how current it is. Nothing is fetched from the internet. Anything held in a currency with no rate on file is left out of your totals and named below rather than guessed at.

{{ f.code }} · {{ f.example }}as of {{ f.asOf }} · {{ f.source }} · {{ f.inUse }}{{ f.note }}
{{ h.code }} over time

{{ h.liveNote }}

A dated rate applies from its date onwards. Anything recorded earlier keeps the rate that applied then, so today’s rate never quietly revalues last year’s figures. Current balances always use the newest rate.

{{ p.asOf }} {{ p.rate }} {{ p.source }}
{{ p.text }}
Left out of your totals for want of a rate
{{ u.name }} · {{ u.kind }} {{ u.amount }}
Add or change a rate
{{ p.text }}

Assumptions

These feed the goal scenarios and the emergency-fund target. Every one is an assumption about the future, never a promise, and the planner labels them that way wherever it uses them.

{{ p.text }}

Spending categories

One per line. Removing one does not change any transaction already filed under it — those keep their category and still count in your totals.

Which of those are commitments

Things you cannot simply stop paying. This drives the essential-versus-discretionary split and the emergency-fund figure. Loan payments always count as commitments, whatever you label them.

{{ p.text }}

The health methodology is fixed

Financial health is scored the same way for everyone: nine measures, each scored out of 100 against a published standard for your five-year age band, combined by weights that are part of the method and cannot be edited. A standard you can retune is not a standard. The full working is on the Financial Health screen.

{{ w.label }} {{ w.pct }}

{{ hExcludeLine }}

Where your data lives

{{ r.label }}{{ r.note }} {{ r.value }}

{{ storageWarn }}
{{ secretSummary }}
{{ r.where }} · {{ r.pattern }}
{{ r.label }}{{ r.value }}
{{ integritySummary }}
{{ i.level }} {{ i.message }}{{ i.area }} {{ i.detail }}

Your plan

{{ planAvailable }} of {{ planTotal }} features available to you

{{ planHeadline }}

{{ planNote }}

{{ planTrialTitle }}

{{ planTrialNote }}

{{ s.label }} {{ s.until }}
{{ p.plan }} {{ p.price }} {{ p.state }}
{{ p.yearly }}
{{ p.tagline }}
{{ p.features }}
{{ p.commerce }}

{{ planCommerceNote }}

{{ licTitle }}

{{ licBlurb }}

{{ f.label }} {{ f.value }}

{{ licMsg }}

{{ licPrivacyNote }}

Live prices

{{ liveHeadline }}

{{ liveStatusLabel }}

Live prices are an extra, never a requirement. The figure you enter for a holding is kept for ever and is what gets used whenever a price is missing, stale, unusable or switched off. Nothing is fetched until you ask, and the whole app works with no connection at all.

{{ p.text }}
{{ r.label }}{{ r.note }} {{ r.value }}

How each holding is being valued

{{ liveCounts }}
{{ v.name }} {{ v.symbol }}{{ v.note }} {{ v.value }} {{ v.status }} · {{ v.age }} yours: {{ v.manual }} {{ v.drift }}

App lock

{{ lockStateLine }}

{{ lockStateNote }}

{{ lockMsg }}

{{ lockBioNote }}

What app lock does

It does

{{ d.text }}
It does not

{{ d.text }}

{{ lockPlainly }}

{{ lockRecovery }}

Backup and restore

{{ storageNote }}

That file was not restored

{{ restoreProblem }}

{{ p }}

{{ restoreSafeNote }}
Automatic backups kept in this browser
{{ b.key }}

None yet. One is written automatically before any upgrade, import or reset.

Build progress

Each phase is only started once the one before it is tested and approved.

{{ r.tag }} {{ r.text }}

Diagnostics

The technical side: schema version, where data is stored, what the migration did, what validation found, and the test suites. Useful when something looks wrong, ignorable otherwise.

schema v{{ schemaVersion }} key {{ storeKey }} {{ sourceLabel }} {{ savedLabel }}
Derived, never stored
{{ d.label }} {{ d.value }}
Record counts
{{ i.label }}{{ i.note }} {{ i.count }}
Migration receipt

{{ migrationNote }}

OldNewRecsHow it was handled
{{ m.from }} {{ m.to }} {{ m.count }} {{ m.note }}
{{ d.label }}
before {{ d.before }}
after  {{ d.after }}
delta {{ d.delta }}
Validation · {{ valLabel }}
{{ v.level }} {{ v.message }}{{ v.where }}

Nothing to report. Every record passed every rule.

{{ moreIssues }}
Test suites
{{ testSummary }}
{{ t.mark }} {{ t.name }}{{ t.detail }}

Press Run tests.

Baseline files are frozen and untouched: Net Worth Model.dc.html and the original dashboard upload both remain exactly as they were, and stay usable while this version is built out.