AfLux

AfLux is a privacy-first financial co-pilot that runs entirely on your device. No cloud accounts, no data uploads, no telemetry — your financial data stays yours. Built for people whose CPA doesn't advise on retirement and whose financial advisor doesn't think about taxes. AfLux bridges the gap with Apple Intelligence-powered insights that connect your tax situation, investment portfolio, rental properties, and retirement planning into one holistic view.

PORTFOLIO & NET WORTH Track all accounts: retirement, brokerage, bank, real estate. Live stock quotes with gain/loss tracking. Asset allocation with model portfolio comparison. Fund fee analyzer shows how expense ratios erode your wealth over time.

CASH FLOW
Import bank statements (OFX/QFX/CSV). Auto-categorization with smart vendor learning. Spending breakdown with interactive donut charts. Monthly income vs expense tracking with period selector.

RENTAL MANAGEMENT
Schedule E expense tracking by IRS line item. Rental income ledger with tenant association. Lease document storage. Property-level profit and loss.

ASK LUX — AI ASSISTANT On-device AI powered by Apple Intelligence. Ask questions about your finances in plain English. "What's my net worth?" "How much did I spend on dining this month?" Answers come from your actual data, not guesses.

RETIREMENT PLANNING
Contribution optimizer across 401(k), HSA, Roth IRA, and Traditional IRA with tax savings per step. MAGI phase-out awareness. Roth vs Traditional analysis. "When can I retire?" solver with customizable scenarios.

TAX DOCUMENTS
Import 1040, W-2, 1099, K-1, and Schedule E PDFs. Year-over-year return comparison. Automatic field extraction with high-accuracy parsing.

SECURITY & PRIVACY
SQLCipher AES-256 encrypted database with Argon2id key derivation. No accounts, no cloud, no sign-up. iCloud sync between Mac and iPhone through your own iCloud Drive. Full encrypted backup and restore.

AfLux is also available as a desktop app for Mac and Windows at http://www.aflux.app with additional features including local LLM chat, PDF statement AI parsing, tax what-if scenarios, and premium PowerPack content.

Your finances deserve better than a spreadsheet and two advisors who don't talk to each other.