Avenauld

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Appearance

Theme

Accent colour

Text size

Spacing

Animation

Follow device respects your system's reduce-motion setting.

Regional

Currency

Every figure in the app reformats immediately.

Your numbers

Monthly take-home pay Gross salary before tax Used for student loan repayments, which are worked out on gross pay.

How often are you paid?

Day of the month

— If the month is short, the app uses its last day.

Money you set aside

Money in your current account today Update this whenever you check. It drives safe-to-spend.

Your data

Restore from a backup

Money coming in

Every month —

Of that, dependable —

One-off money in

Received in the last year —

Going out

Every month

Coming in —

Committed out —

Left over —

Where it goes

Committed every month —

Left for day to day —

Only committed spending is sorted into categories, because those amounts are known exactly. What you spend day to day stays as one honest figure — guessing at categories for it would be inventing detail Avenauld does not have.

Monthly bills

This month

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Money in Money out

The rest of this month

Still to come in —

Still to go out —

Safe to spend —

Debts

Savings

What you hold

Cash you can reach —

Everything you own —

Savings accounts

Over time

Debt —

Savings

Net position

Can I afford it?

How much does it cost?

How would you pay for it?

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Enter an amount above.

Settlement offer

Which debt?

What have they offered to settle for? The one-off figure that would clear the account in full.

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Pick a debt and enter the offer.

Before you accept

What if I paid a lump sum?

A lump sum, paid now It goes against whichever debt your plan is attacking, and rolls onto the next if it clears one. Extra each month, from now on

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Enter a lump sum above.

Could I get a mortgage?

Your salary before tax A second salary, if you are buying together Deposit How generous a lender?

Interest rate (%) Term, in years I am a first-time buyer

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Enter a salary and a deposit.

Student loan, honestly

Which plan?

Balance outstanding Your salary before tax Years left before it is written off Interest rate (%) Student loan interest is set each year and moves with inflation, so this is an assumption rather than a fact. Pay rises each year (%) Thresholds usually rise too, so they are assumed to rise at the same rate.

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Enter a balance and a salary.

Home

Welcome to Avenauld

What comes in?

Your first debt

That is everything

Enter your PIN