# Aurem Finance — Private budget & retirement > Private, on-device personal finance manager for budgeting, cash flow, debt, and retirement planning. (iPhone/iPad app by Aurem Digital llc.) - Source: https://appshunter.io/ios/app/aurem-finance/id6766094756 (this page in markdown: same URL + `.md`) - Developer: [Aurem Digital llc](https://appshunter.io/developer/1882003730) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.0 · 9 MB - Languages: American English - Released: 2026-06-23 - Data updated: 2026-08-22 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/aurem-finance/id6766094756/reviews.md ## What is Aurem Finance? Aurem Finance is a private, all-in-one money and retirement planner that runs entirely on your device. No accounts. No tracking. No servers. Your financial life stays with you. Build a monthly plan, see your true cash runway, attack debt, and answer the big question — "am I on track to retire?" — all in one place. BUDGET & CASH FLOW • Plan each month's income, bills, and spending with a clear cash-flow forecast. • A month-first bills view of what's actually due — searchable and sortable, with fixed vs. variable and set-aside amounts for non-monthly bills. • Month-End Close wizard to wrap up each month in five guided steps. • Net worth tracking and spending insights over time. DEBT • Loan and mortgage payoff using real term and start date for an exact debt-free date. • See how extra payments cut months and interest. RETIREMENT • Projected balance, inflation-adjusted readiness, and Coast FIRE — for you and your spouse individually. • Drawdown projection you can steer by dollars or by withdrawal rate. • Monte Carlo success rate, retire-age chart, Roth conversion ladder, and Social Security tools. • See your plan with and without Social Security. FEES & INVESTING • Fee Drag calculator that itemizes an advisor's real cost and flags when it's high. • Low-cost model portfolios by time horizon and an editable portfolio guide. • Protection Check: a per-person life & disability insurance gap check. ASK AUREM — ON-DEVICE AI (Pro) • Chat about your own numbers — cash flow, debt, bills, retirement. It runs entirely on your device (iPhone with Apple Intelligence, iOS 26+). Nothing leaves your phone. MADE FOR EVERY DEVICE • iPhone, iPad, and Mac, with a sidebar and two-column layout on larger screens. • Home-screen widget with one-tap Mark Paid and payday reminders. PRIVACY BY DEFAULT • No account and no sign-up. Your data lives on your device. • Widget amounts hidden and reminder details masked by default. • Optional Face ID / Touch ID lock and encrypted backups. • Export your data anytime — it's always yours, and export is free. Aurem Pro unlocks Ask Aurem and advanced planning tools. Aurem provides educational budgeting and planning tools only. It is not a licensed financial, tax, or investment advisor, and nothing in the app is personalized investment advice. Consult a qualified professional before making financial decisions. — Subscription — Aurem Pro is an auto-renewable subscription. Payment is charged to your Apple Account at confirmation of purchase. It automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours prior to the period's end. Manage or cancel anytime in your Apple Account settings. Privacy Policy: https://www.auremdigital.com/AuremFinance_privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Monthly budgeting workbook - 60-day cash-flow runway - Retirement projections - Loan and mortgage payoff planner - On-device AI assistant - Encrypted data backups - Home-screen widget ## Frequently asked questions about Aurem Finance ### Is Aurem Finance free to use? Aurem Finance offers a robust free tier that includes monthly budgeting, cash flow tracking, and data export. Advanced planning features are available through Aurem Pro, which can be purchased monthly, annually, or as a lifetime one-time payment. ### How secure is my financial data with Aurem Finance? Aurem Finance is designed for privacy, with your financial data residing exclusively on your device. The app utilizes on-device AI, encrypted backups, and optional Face ID/Touch ID locks to ensure your information is never sold or shared. ### What kind of financial planning features does Aurem Pro offer? Aurem Pro unlocks comprehensive planning tools, including retirement projections with Monte Carlo success rates, loan payoff calculators with exact debt-free dates, affordability calculators, and 401(k) planning with household modeling. ### Can I export my data from Aurem Finance? Yes, you can export your data from Aurem Finance at any time in either encrypted or plain JSON format. Your financial data is never locked behind a paywall, ensuring you always have access to it. ### Does Aurem Finance have ads? No, Aurem Finance is ad-free. The app focuses on providing a clean and uninterrupted user experience for managing your finances. ### What devices is Aurem Finance available on? Aurem Finance is available on iPhone and iPad devices, indicated by its compatibility with iOS. The app is rated for ages 4 and up. ### How often is Aurem Finance updated? Aurem Finance was last updated on June 23, 2026, with version 1.0. This indicates it is a newly released application, and further updates can be expected to enhance its features and reliability. ### What are the subscription options for Aurem Pro? Aurem Pro is available through monthly and annual recurring subscriptions, both of which include a free trial. A one-time lifetime purchase option is also offered for users who prefer a permanent solution. ## Version history (last 5 releases) ### 1.8 — 2026-08-20 Light mode is here. • Aurem now has a hand-tuned light appearance — not an inverted dark theme. Surfaces, text, and accent colors were each retuned so everything stays readable in bright rooms and outdoors. • Choose System, Light, or Dark in Settings → Preferences. System follows your device automatically. Fixes • iPad: adding a second account to a group (a second checking account, for example) no longer renders it cut off and untappable. • The Me / Spouse / Joint tag on each paycheck now carries forward when you roll to a new month, so per-person 401(k) and insurance figures stay accurate instead of quietly reverting. ### 1.7 — 2026-08-16 Everything you owe, in one place • New Obligations hub — recurring bills, this month's payment log, and upcoming one-off expenses now live under one screen with three tabs and running totals, so it's always clear where a cost belongs. Retirement planning built for two • Tag every paycheck and investment account to you, your spouse, or joint. • See when each of you could retire, with your own projected balance and readiness — not one blended household answer. • Coast FIRE now uses your real account balances instead of an estimate. Numbers you can actually trust • A mortgage or car loan that ends before you retire no longer counts as a forever expense. Your nest-egg target and earliest retirement age reflect the debt you'll have paid off. • Show any projection in today's dollars — balances, Coast FIRE, retirement age, drawdown, and Monte Carlo — so figures from different years are finally comparable. • Monte Carlo now uses a realistic 7% return by default, and you can change it. • 401(k) progress tracks your employee contributions toward the IRS limit and honors whatever you entered — per-paycheck, percentage, annual, or exact dollars — with employer match shown separately. Also improved • Editable target stock/bond mix and fund shortlist, each with one-tap reset. • Adjust your drawdown withdrawal right on the chart, by dollars or by rate in 0.05% steps. • Bonus months no longer inflate your 401(k) pace, and you can flag paychecks entered as take-home. ### 1.5 — 2026-08-06 big update focused on accuracy, privacy, and deeper planning. RETIREMENT PLANNING • Per-person 401(k): tag each paycheck as yours or your spouse's so contribution percentages apply to the right income. • Per-person Coast FIRE, plus retirement readiness shown with AND without Social Security, and an adjustable Social Security confidence dial. • Editable Drawdown Projection — set withdrawals by dollars, or step the withdrawal rate in 0.05% increments and watch the depletion age respond. • Monte Carlo success rate with editable assumptions and reset. • Retire-age chart showing the earliest age you're on track to retire. • Roth conversion ladder and Social Security breakeven tools. • "Typical month" income basis so a one-off bonus no longer inflates projections. FEES & INVESTING • Fee Drag calculator itemizes your advisor's true cost — advisor fee, per-person fund expenses, and planning fee — and flags when it's high. • Low-cost model portfolios by time horizon, an editable Portfolio Guidance fund list, and an adjustable stock/bond target with reset. • Protection Check: a per-person life & disability insurance gap check using your real numbers. MONEY IN, MONEY OUT • A month-first bills view of what's due — searchable, sortable, with fixed vs. variable and set-aside amounts. • Clear roles for recurring Bills, this month's Payment Log, and Planner Upcoming Expenses, with a one-tap "Schedule this month" bridge. • Unified cash-flow forecast shared across Workbook and Reports. ASK AUREM (on-device AI, Pro) • Chat about your own numbers — cash flow, debt, bills, retirement — running entirely on your device (iOS 26+). Nothing leaves your phone, and it now refreshes with your latest numbers mid-conversation. EVERYDAY • Month-End Close wizard to wrap up each month in five guided steps. • Home-screen widget with one-tap Mark Paid, plus payday reminders. • Made for iPad and Mac with a sidebar and two-column dashboard. • Accurate loan & mortgage payoff using real term and start date. PRIVACY BY DEFAULT • No accounts, no tracking, no servers. Widget amounts hidden and reminder details masked by default. Optional Face ID lock and encrypted backups. Export stays free — your data is always yours. Plus dozens of accuracy fixes and refinements. ### 1.1 — 2026-07-02 Bug fixes ### 1.0 — 2026-06-23 No release notes. ## More apps by Aurem Digital llc - [Hidden Device Radar](https://appshunter.io/ios/app/hidden-device-radar/id6760244313) - [Vehicle Care IQ](https://appshunter.io/ios/app/vehicle-care-iq/id6778798355) All apps by Aurem Digital llc: https://appshunter.io/developer/1882003730 --- *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 2026-08-22.*