Avenauld

Money in your current account —

Spare

Milestones

Your plan

Extra each month, on top of the minimums

—

Which first, within that?

Smallest first clears debts sooner and feels better. Costliest first saves more interest. Both are defensible.

Profile

What year were you born? Used to work out your State Pension age, shown on the retirement screen and next to any final salary pension.

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 data

Version —

Checking for updates…

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Money coming in

How you're paid

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.

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, since 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 —

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

The difference

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

What you owe

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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.

Financial milestones

Nine widely-recognised markers of financial health, each measured against your own records. This is not a list you write: every target and every figure below is computed, and anything that does not apply to you is left out rather than sitting there at nought.

Everyday spending

Roughly what do you spend a month on food, fuel and day-to-day things? —

Where your spare money could go

Choose how to compare

Five ways of comparing what your spare money could do, the same five every time. Pick one, or leave it unpicked and see them side by side, none first.

Not chosen yet. Every destination below is shown in the same order, none first.

The destinations

On track for retirement?

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How that was worked out

The assumptions

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Which standard of living?

Growth above inflation, each year (%) A real return, so the answer is in today's money. Three per cent is a cautious middle. Change it and watch the figure move. Your State Pension, a year —

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

Net worth —

What you owe

What you own

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

Can I afford it?

How much does it cost?

How would you pay for it?

—

Enter an amount above.

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

—

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

—

Enter a salary and a deposit.

Your data

Backup

Last backed up —

Saved to —

—

A backup file isn't encrypted. Anyone with access to wherever you save it, including iCloud, OneDrive, Dropbox, Google Drive or a downloads folder, and that provider itself, can read everything in it.

What should I call this device? Shown on the backup, so you know where it came from.

Restore

Check a backup

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

Restore from a backup

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 —

Legal

Avenauld has no accounts, no server and no bank connection. There's nothing to sign into, and nothing here is ever sent anywhere.

That's not just a promise. It's enforced: this app's own security policy blocks it from making a network request of any kind, to anyone, ever. If it tried, your browser would refuse it.

Everything you type, including balances, goals, notes and account names, is stored only on this device, in this browser. There's no analytics, no tracking and no crash reporting, and no one at Avenauld can see any of it: there's no server here that could show it to us.

If you export a backup file, treat it like a bank statement: it isn't encrypted.

Written 20 August 2026.

Avenauld does arithmetic on the numbers you type in: a projection, a payoff order, an affordability answer. None of it is financial advice, and nothing here is a recommendation to do anything with your money.

It's provided as-is, with no warranty of any kind. If a decision matters, check it against your real statements and, where it counts, a qualified adviser, not this app.

You're responsible for keeping your own backups. Avenauld has no server, so it can't restore anything it never had a copy of.

Written 20 August 2026.

Today

Today

Money coming in

Going out

This month

Check in

What you owe

What you own

Invested and pensions

Financial milestones

Where your spare money could go

On track for retirement?

Over time

Can I afford it?

What if I paid a lump sum?

Could I get a mortgage?

Your data

Legal

Welcome to Avenauld

What comes in?

Your first debt

That is everything

Enter your PIN