# AfLux — On-device AI for your money > On-device AI for your money (iPhone/iPad app by Kannan Thiagarajan.) - Source: https://appshunter.io/ios/app/aflux/id6773178204 (this page in markdown: same URL + `.md`) - Developer: [Kannan Thiagarajan](https://appshunter.io/developer/1896736723) - Category: Productivity, Finance - Price: Free - Age rating: 4+ - Requires: iOS 16.0 · 29 MB - Languages: American English - Released: 2026-05-30 - Data updated: 2026-08-01 - User reviews in markdown: https://appshunter.io/ios/app/aflux/id6773178204/reviews.md ## What is 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. ## Version history (last 5 releases) ### 2.2.0 — 2026-06-13 - Unified Accounts — Manage all accounts (banking, credit cards, investments, real estate) from a single screen. Adding an account automatically links net worth tracking with transaction history. - News Feed — Financial headlines from CNBC, MarketWatch, and Yahoo Finance, plus per-ticker news for your holdings. - Pull to Refresh — Pull down on Home, Portfolio, and Net Worth to refresh data instantly. - Credit Card Rewards Optimizer — "Which card?" tells you the best card to use for any spending category. - RSU Tracker — Track grants, vesting schedules, and tax withholding projections. - Fund Fee Analyzer — See expense ratio drag across your portfolio. - Customizable Tab Bar — Pick which two screens appear in your bottom navigation. - Background Portfolio Refresh — Quotes update automatically during market hours. - Bug fixes — Improved PDF import for Capital One and Chase statements, better Ask Lux category matching, fixed spending totals. ### 2.1 — 2026-06-04 Fee Analyzer See exactly what your investments cost. View expense ratios for every holding, total annual fees, and 10/30-year fee drag projections. Get lower-fee alternative suggestions to save thousands over time. RSU Tracker Track restricted stock unit grants, vesting schedules, and upcoming vest events. See annual vesting summaries with projected values and income recognized. Customizable Tab Bar Make AfLux yours. Swap tabs between the bottom bar and More — put Portfolio, Rental, or Net Worth front and center. Home and Ask Lux stay fixed; the middle two slots are yours to choose. Net Worth — Assets vs Liabilities Accounts are now grouped by category (Cash, Investment, Retirement, Real Estate) with sub-totals, and liabilities shown separately in red. Tap any account to edit details or update its value. Real Estate Editing Tap a property in Net Worth to update its market value or jump to Rental for full property details. Ask Lux — Topic Selector Pick a focus area (Net Worth, Retirement, Portfolio, Cash Flow, Rental, Tax) before asking a question. Forces accurate data lookups and prevents the AI from guessing numbers. Import Improvements Regex parser now handles statements with Amount + Balance columns correctly. Capital One Mon DD date format supported. Fidelity CSV: "Positions Total" rows filtered out, cash positions labeled properly. Face ID Error Messages If the vault is open on another device, Face ID now tells you why it failed instead of silently stopping. Portfolio Reset New "Reset Portfolio" in Settings wipes all investment and retirement accounts for a clean re-import. Cash, rental, and transactions are not affected. Bug Fixes Removed auto-dedup that was deleting legitimate multi-account imports. Improved portfolio account matching on re-import. Subscription detection now requires 3+ occurrences. ### 2.0 — 2026-06-03 PDF Statement Import on iPhone Import bank and credit card statements directly from PDF — any bank. Smart parser handles standard formats instantly. Supports Chase, Capital One, Amex, and more. Apple Intelligence fallback for unusual layouts. Share Extension Share a PDF from Mail, Files, or Safari straight to AfLux. No file picker needed. Import Preview See every transaction before importing. Review the full list, then confirm or cancel with a single tap. Account Label on Transactions Each transaction now shows which bank or card it came from. Credit Card Rewards Optimizer 25+ US credit cards with reward rates. "Which card should I use?" for instant recommendations. Add cards manually. Redesigned Navigation Cards is now a primary tab. Sidebar drawer for all features. Dynamic feature toggles. Cash Flow Budget tracking with progress bars. Subscription detection (3+ occurrences). Inline delete confirmation. Retirement Planning Account breakdown, IRS limits, retirement projection with income sources and surplus/shortfall. Face ID / Touch ID Opt-in on the unlock screen. Locking the vault disables biometrics. Onboarding & Guided Tour Personalized setup. Spotlight walkthrough. Replay from Settings. Ask Lux Smart Prompts. Thread management. AI disclaimer. Settings Document Vault. Encrypted backup. Feature toggles. Bug Fixes Spending totals not averages. Bank detection fixed. Model portfolios. iCloud sync. Import reliability. ### 1.8 — 2026-06-02 PDF Import on iPhone Import bank and credit card statements from PDF — any bank, any format. Share directly from Mail or Files via the new Share Extension. Smart regex parser handles standard formats instantly; Apple Intelligence handles the rest. Everything stays on your device. Credit Card Rewards Optimizer 25+ US credit cards with reward rates. "Which card should I use?" — tap a purchase type, get an instant recommendation with runner-up. See missed rewards and optimize every swipe. Add cards manually without importing statements. Redesigned Navigation New tab bar: Home, Cash Flow, Cards, Ask Lux, More. Sidebar drawer for quick access. Dynamic feature toggles — show only what you need. Cash Flow — Budget, Subscriptions & Accounts Set monthly spending limits with progress bars. Auto-detect recurring subscriptions with Keep/Cancel tags. Manage and delete accounts with inline confirmation. Retirement Planning Account breakdown with IRS contribution limits. Retirement projection with income sources, surplus/shortfall, and portfolio runway. Face ID / Touch ID Unlock your vault with biometrics. Opt-in on the login screen or in Settings. Passphrase secured in iOS Keychain. Onboarding Personalized setup on first launch — choose features, financial profile, retirement accounts, and Face ID. Ask Lux Smart Prompts library. Thread rename and delete. Better category matching. AI disclaimer added. Settings Document Vault for reference files. Encrypted backup export. Feature toggles for Portfolio, Rental, Cards, Tax. Fixes Spending totals (not averages). iCloud sync. Model portfolios display. Inline confirmations replace unreliable alerts. ### 1.5 — 2026-05-31 Credit Card Rewards Optimizer - 25-card rewards database — Chase Sapphire, Amex Gold, Citi Double Cash, Capital One Venture, and 21 more popular US cards with category reward rates - Tag your cards — link imported credit card accounts to their product (e.g. "Chase ****9182" → Sapphire Preferred) - Best card per category — see which of your cards earns the most for groceries, dining, gas, travel, etc. - Missed rewards report — "You left $47 on the table last month" — shows what you earned vs what you could have earned with optimal card usage - "Which card should I use?" action sheet — tap a purchase type, get an instant recommendation with runner-up Face ID / Touch ID - Unlock your vault with biometrics instead of typing your passphrase - Explicit opt-in via checkbox on the unlock screen or in Settings - Passphrase stored in iOS Keychain with biometric-only access control - Locking the vault automatically disables Face ID (requires passphrase on next open) - Hidden in demo mode Onboarding Interview - 4-step setup flow after first vault creation - Feature toggles — enable only what's relevant (Portfolio, Rental, Cards, Tax) - Financial profile — filing status and state for personalized advice - Retirement accounts — 401(k), IRA, Roth, HSA checkboxes - Face ID setup — enable biometrics during onboarding - Skip anytime; adjust everything later in Settings Redesigned Mobile Navigation - New tab bar: Home, Cash Flow, Cards, Ask Lux, More - Sidebar drawer — swipe from profile icon for full feature list + Lock Vault - More hub — Portfolio, Rental, Net Worth, Settings - Dynamic tabs — features you disabled in onboarding are hidden from navigation - Settings → Features — re-enable any feature anytime Bug Fixes - Spending by category was showing monthly averages instead of totals — fixed - Ask Lux category filtering — "grocery" now matches "groceries" (alias-aware keyword matching) - Cash Flow period labels — "Spending by Category" and Income/Expenses headings now update with the selected period - iCloud entitlements restored for iOS — the app can now find the shared vault from macOS - Toggle switches redesigned for reliable tapping on iOS --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-01.*