Today

What you can spend today

Money coming in

Money coming in
How you're paid
Day of the month
— If the month is short, the app uses its last day.
One-off money in
Received in the last year —

Going out

Every month
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

—
Money in Money out

The rest of this month
Still to come in —
Still to go out —
Safe to spend —

Check in

—

Open your accounts and type in what each one actually says today. Avenauld shows you what it expected, so the difference is the useful part — not the number itself.

The account you spend from
What you owe
What you have
Invested and pensions
The difference

This sets today as the day you last told Avenauld where things stand.

What you owe

What you owe

—

What you own

What you own

Invested and pensions

ISA allowance

Pensions

What you hold

Everything here also appears under What you own, grouped by how quickly you could reach it. Same records, two ways of looking at them.

The order to do this in

Money problems have a best order, and most people are never told it. This is not a list you write — every target and every figure below comes from your own records, and anything that does not apply to you is left out rather than sitting there at nothing.

Everyday spending

On track for retirement?

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How that was worked out

The assumptions

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Which standard of living?

This is arithmetic on your numbers, not financial advice, and it is deliberately simple. It does not model drawdown, tax in retirement, taking money before your pension age, or what markets do in the wrong order. A figure you can check beats a simulation you cannot.

Over time

Over time
Net worth —
What you owe
What you own

Every point is a month you checked in. Nothing here is estimated.

Can I afford it?

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Enter an amount above.

What if I paid a lump sum?

—
Enter a lump sum above.

Could I get a mortgage?

—
Enter a salary and a deposit.

Your data

Backup
Last backed up —
Saved to —

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Restore

Reads a backup file and tells you exactly what it would restore, without touching anything on this device.

Replaces everything on this device with what's in the file. Nothing is merged. A copy of what's here now is kept, and you get one undo.

This device
Installed —
Protected from clean-up —