Aurio - Your finances, clear

Your finances, clear. Track your spending, split bills with your partner, family or friends, and understand your net worth in one place. With private AI and no mandatory bank connection. Self-employed? Turn on the professional view: your VAT and income tax estimated during the quarter, not at the end. EFFORTLESS SPENDING TRACKER • Automatic categorization, with categories you create and edit your way. • Budgets that understand refunds: if a friend pays you back for dinner, it goes back into your budget. • Subscriptions and recurring bills detected for you. • Balance forecast for the next 30, 60 and 90 days. SHARED EXPENSES, FREE • Groups with unlimited expenses for trips, flatmates or couples: splits, balances and settlements. • Invite with a link and everyone sees what they owe. YOUR NET WORTH, IN ONE CURVE • Accounts, investments, crypto and stocks with up-to-date prices: know what you're worth, not just what you have. • Import trades from your broker (DeGiro, Interactive Brokers, Revolut and more). YOUR DATA, YOUR WAY • Log an expense in seconds or import statements: CSV, Excel, PDF (password-protected too), Norma 43 and OFX. • With Apple Pay and Shortcuts, every purchase saves itself, without going through your bank. • Scan receipts and invoices, or forward them by email to your capture address. • Widgets, Lock Screen and Dynamic Island: your money and your deadlines at a glance. ASK YOUR FINANCES • An AI that answers about your real data, with citations: “how much did I spend on restaurants in August?” or “can I afford €300 a month?”. If something isn't in your data, it says so. • Ideas: Aurio points out what matters in your spending, budgets and net worth, with the figure behind it. IF YOU'RE SELF-EMPLOYED • VAT (Modelo 303), income tax (Modelo 130), withholdings (111 and 115), intra-EU operations (349) and the annual summary (390), estimated as you go. • Scanned invoices and receipts: deductible expenses organized and ready for your accountant. • A tax calendar with deadlines moved to the next business day when needed. • A quarterly PDF report to share with your accountant. PRIVACY BY DESIGN • Everything encrypted; sensitive data tokenized. The AI never sees your raw personal data and every answer shows what it used. • Your data stays in the EU. Export or delete it entirely whenever you want. Aurio is informative: it calculates and estimates so you reach the quarter with no surprises, but it does not file returns with the AEAT (Spain's tax agency), does not move money and does not replace your accountant. FREE OR PREMIUM Free, no card needed: spending, budgets, groups, net worth and export, with 20 AI questions and 10 receipt scans a month. Premium raises that to 200 questions and 100 scans, and adds balance forecast, full tax tools, broker import, bulk scanning, Google Drive folders and the quarterly PDF report. AURIO PREMIUM SUBSCRIPTION • Annual Premium: €49.99/year (recommended, save about 30%). • Monthly Premium: €5.99/month, with a 7-day free trial. Payment is charged to your Apple account at confirmation of purchase. The subscription renews automatically unless canceled at least 24 hours before the end of the period; you can manage or cancel it in your Apple account settings after purchase. Terms of Use (EULA): https://www.aurioapp.com/en/terminos Privacy Policy: https://www.aurioapp.com/en/privacidad