Avenauld

Money coming in

Every month —

Of that, dependable —

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

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

—

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.

What you owe

What you have

The difference

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

What you owe

Everything you owe —

Of that, in the payoff plan —

What you own

Everything you own —

Of that, cash you can reach —

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.

Settlement offer

Which debt?

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

—

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

—

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.

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.

—

Enter a balance and a salary.

Today

Welcome to Avenauld

What comes in?

Your first debt

That is everything

Enter your PIN