Aurem Finance

Aurem Finance is a private, all-in-one money app: budget every month, see your cash flow weeks ahead, pay down debt faster, and plan for retirement — without your financial data ever leaving your device.

Built for people who want clarity, not clutter. Your numbers stay on your iPhone, your backups are encrypted, and the built-in AI runs entirely on-device.

ALWAYS FREE • Monthly budgeting workbook — income, accounts, bills, and spending • Dashboard with net cash, obligations, and emergency-fund health • 60-day cash-flow runway and a tap-to-reveal cash-flow calendar • Recurring bill detection and reminders • Export your data anytime — encrypted or plain JSON. Your data is never locked behind a paywall.

AUREM PRO Unlock the full planning suite: • Retirement projections with range, tax buckets, drawdown, Coast FIRE, and a Monte Carlo success rate • Withdrawal-rate stress test and Social Security claiming breakeven • Loan & mortgage payoff with exact debt-free dates (term + start-date aware, escrow excluded) • Affordability calculator for a home or big purchase • Fee-drag calculator — see what advisor fees really cost over decades • 401(k) planning with tiered employer match and spouse/household modeling • Kids & college: 529 projections and per-child funding gaps • Roth conversion ladder planner • Net-worth trend and month-over-month spending insights • Ask Aurem — an on-device AI assistant that answers questions about YOUR numbers

PRIVATE BY DESIGN • Your data lives on your device; nothing is sold or shared • On-device AI — your finances are never sent to a server • Optional Face ID / Touch ID lock • Encrypted, password-protected backups • Home-screen widget with amounts hidden by default

Aurem Pro is available monthly, annually, or as a one-time lifetime purchase, with a free trial on the recurring plans. Your budgeting, dashboard, and data export stay free forever.

Aurem Finance provides planning and educational tools only. Projections are estimates based on the assumptions you enter and will differ from actual results. Aurem Finance is not a financial advisor and does not provide investment, tax, or legal advice.

Subscription details: Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Lifetime is a one-time purchase.