Your money data. Owned by you.
What you buy, what you eat, where you go — Aurora never turns it into a pitch for a loan or a card, never shows you ads and never sells it. For a small subscription, you own your financial data. Ask AI Money Buddy anything and it answers in your own numbers — and plan the whole year ahead, smartly.
No card required · your free trial of a paid plan only starts counting the day our iOS app is in the App Store
What if your spending history is someone's sales lead?
Notifications that never stop
“A loan picked just for you.” “Sign up today for a bonus.” You only connected an app to keep track of your money — and now it pings you all day long. Hasn't that ever felt wrong?
Your whole private life
What you buy, what you eat, where you go. If someone knew all of it — and used it to sell you financial products — would you agree to that?
The real price of “free”
How does a free finance app make its money? Usually from ads and from selling financial products. What's for sale then isn't the app — it's your data.
If that ever felt off, it's time to own your data.
Aurora Finance is a global service that puts you in charge of your financial data — and helps you look after it. We run on subscriptions alone, so we have no reason to sell your spending history, pitch you financial products or show you ads.
- No financial-product pitches
- No ads
- Never sold
- Never used to train AI
Ask your money anything. It answers in your own numbers.
Talk to it the way you'd talk to a friend who's good with money. No menus, no keywords, no “sorry, I didn't understand” — ask, follow up, change your mind. It reads the ledger you have open, down to the lines on your receipts, and answers with your actual figures.
A conversation, not a chatbot
Ask a follow-up and it remembers what you were talking about. “Is that new spending, or did I just move it online?” just works.
Your figures, not averages
Merchants, categories, budgets and receipt items — read straight from your own ledger, so the answer is about you, not a typical household.
Looks, never touches
It can read the ledger you have open and nothing else, it can't change a thing, and your questions are deleted after 30 days.
Am I spending too fast on eating out this month?
You've spent S$624 of your S$800 dining budget (78%), and 60% of the month has gone — a little fast.
At this pace you'll reach about S$1,040 — S$240 over. The biggest share is GrabFood: 6 orders, S$282.
So how much can I spend a day from here?
Keep it under S$14 a day for the next 12 days and you'll stay within budget. One delivery averages S$47 — more than three days' worth.
What am I paying for subscriptions every month?
Four subscriptions were charged every month for the last three months:
- NetflixS$18.98
- YouTube PremiumS$15.98
- SpotifyS$10.98
- iCloud+S$3.98
Together that's S$49.92 a month — S$599.04 a year.
YouTube Premium was first charged in August — it's your newest one.
Is milk cheaper at Cold Storage or FairPrice?
From your receipts, Meiji fresh milk 2L is cheaper at FairPrice.
- Cold StorageS$7.95
- FairPriceS$7.40
That's S$0.55 a bottle — about S$3.30 a month at the 6 bottles you buy.
How much has it gone up since January?
At Cold Storage, from S$7.35 in January to S$7.95 in October — about 8%.
Sample conversations, with a demo household's figures.
Included in every plan. Compare plans →
Answers are written by AI and can be wrong. They are not financial, tax or legal advice.
Your financial data is yours. Protecting it comes first.
Security is Aurora's top priority, not a feature we added later. Here is exactly how we handle your data — what we keep, how it's protected, and who can and can't see it.
We don't collect who you are
No ID or passport number, no date of birth, no home address or phone number, no full account or card numbers and never a banking password. Beyond your ledger, we hold only your email and the name you choose to show.
Every file encrypted, with its own key
Statements, receipts and photos you upload are encrypted with AES-256-GCM — each file under its own key, tied to your household and kept apart from where the files are stored. A copied disk or backup is unreadable on its own. Statement files are kept one month — PDF statements with your name, address and account numbers blacked out — and receipts 18 months, then deleted.
Our team can't open your files
Our support and admin tools are built so they cannot open your statements, receipts or questions — a rule in the software, not a promise in a policy. We see a conversation only if you share it, and production access is limited to the few who must have it.
Leading AI, never trained on you
Aurora works with Anthropic (Claude) and Google (Gemini) on their paid business terms only — never a free consumer tier. Under those terms your data is never used to train their models.
Your texts stay on your phone
Aurora reads card and bank texts on your phone and keeps only the transaction. Passcodes and every other message are dropped right there, and the message itself is never sent. On iPhone, Apple doesn’t let apps open your messages: a Shortcuts automation hands Aurora only the texts with your word, like “ending”. On Android, Aurora reads only the card companies and banks you add.
Your inbox stays yours
E-mail forwarding reads only what your own Gmail filter sends — Aurora never signs in to your mailbox. If your Gmail ever starts sending all your mail, Aurora notices, stops reading anything that isn’t a receipt or statement, and tells you how to switch it off.
Why Aurora is a paid service
Keeping your data safe costs money — secure infrastructure, and AI on terms that rule out training on your data. We pay for that with subscriptions, not with your data. We never sell it, never show you ads and never use your financial records to train AI.
We publish every detail of how we handle your data.
Try every feature free. Then pick the plan that fits.
Every plan has receipt photos, e-mailed receipts, statement import, Reconcile, budgets, goals, trips, investments and AI Money Buddy. Plans differ in ledgers, members and transactions — and Expat adds net worth and the Cross-Ledger Report.
USDAll prices are in US dollars — whatever currency your household lives in.
Basic
70% off — for as long as you stay subscribed
1 ledger · 1 member
- ✓Monthly budgetPlan each category for the month and see how you are pacing.
- ✓Card SMS captureCard text messages on your phone become transactions automatically. Messages are read on the phone; only the transaction details are kept.
- ✓Paste a card text message to fill in a transactionCopy a card or bank text message, paste it, and the transaction details are filled in for you.
- ✓Automatic categoriesNew transactions get a category automatically; you can always change it.
- ✓CSV exportDownload your transactions as a spreadsheet file.
- ✓AI Money BuddyAsk about your own spending in plain words — it reads your figures and answers.
- ✓Photo receiptsSnap a receipt — it's read and filed for you.
- ✓E-mailed receiptsForward a receipt e-mail — it's read and filed for you.
- ✓Type or say itDescribe a purchase in your own words, by keyboard or dictation, or paste an app notification — the form fills itself in.
- ✓Statement importDrop in a card or bank statement PDF and every line comes in.
- ✓Savings goalsSet a target and watch each goal fill up.
- ✓Investments and loansTrack holdings, activity and what you owe.
- ✓TripsSee what each trip really cost.
- ✓Yearly planPlan the whole year, month by month.
- ✓Monthly LetterA written recap of your money, every month.
- ✓Reconcile workbenchCheck statement lines against what you captured.
Expat
70% off — for as long as you stay subscribed
5 ledgers · 2 members
Everything in Basic, plus
- ✓Net worthEvery account in a ledger added up — assets, what you owe and the difference — in your Monthly Letter.
- ✓Cross-Ledger ReportEvery country's money in one currency, on any date.
- ✓Share with your householdInvite your partner or family to the same ledgers.
Family
70% off — for as long as you stay subscribed
10 ledgers · 5 members
Everything in Expat, plus
- ✓Up to 10 ledgersOne ledger per currency you live or bank in, each with its own accounts and budget.
- ✓Up to 5 membersHow many people can share your household.
Our Android app is on Google Play and our iOS app is in open beta on TestFlight. Join and use it now — your 33-day free trial of a paid plan only starts counting the day the iOS app is in the App Store. No card needed. Prices in US dollars (USD); change or cancel any time.
Compare every featureHide the comparison
| Feature | Basic | Expat | Family |
|---|---|---|---|
| Limits | |||
| Active ledgersOne ledger per currency you live or bank in, each with its own accounts and budget. | 1 | 5 | 10 |
| Household membersHow many people can share your household. | 1 | 2 | 5 |
| Dashboard | |||
| Dashboard — income, spending and budgetYour month at a glance: what came in, what went out, and how each budget is pacing. | Included | Included | Included |
| Goals on the dashboardYour savings goals and their progress, right on the dashboard. | Included | Included | Included |
| 35-day cash cushion forecastProjects your balances 35 days ahead and shows the low point before you reach it. | Included | Included | Included |
| Net worth across accountsWhat you own minus what you owe, across your accounts. | Not included | Included | Included |
| Getting transactions in | |||
| Manual entryAdd any transaction by hand. | Included | Included | Included |
| Paste a card text message to fill in a transactionCopy a card or bank text message, paste it, and the transaction details are filled in for you. | Included | Included | Included |
| Type or say it: a purchase in your own words, or a pasted app notificationDescribe a purchase in your own words — typed or dictated — or paste an app notification, and the form fills itself in. | Included | Included | Included |
| Card SMS captureCard text messages on your phone become transactions automatically. Messages are read on the phone; only the transaction details are kept. | Included | Included | Included |
| Photo receiptsTake a photo of a receipt; the shop, amount, date and items are read for you. | Included | Included | Included |
| E-mailed receipts, with automatic forwarding rulesForward receipt e-mails to Aurora — set up once with a mail filter — and they are read and filed. | Included | Included | Included |
| Automatic categoriesNew transactions get a category automatically; you can always change it. | Included | Included | Included |
| Marketplace receipts split by itemAn online-shop order with many items is split across the right categories. | Included | Included | Included |
| Receipts matched to card SMSA receipt and the card text for the same purchase are matched, so it counts once. | Included | Included | Included |
| Credit card statement import (PDF)Upload a credit card statement PDF and its lines become transactions. | Included | Included | Included |
| Bank statement import (PDF)Upload a current or savings account statement PDF and its lines become transactions. | Included | Included | Included |
| Reconcile workbenchCheck a statement against what you captured, and fix anything missing or counted twice. | Included | Included | Included |
| Transaction tools | |||
| Search, edit, split, transfers and refundsFind, edit and split transactions, and record transfers and refunds. | Included | Included | Included |
| TripsKeep a trip’s spending together in one place. | Included | Included | Included |
| Recurring bills, with late-payment detectionTrack regular bills and see when one is late. | Included | Included | Included |
| Auto-categorise rulesTell Aurora once how to categorise a merchant, and it remembers. | Included | Included | Included |
| TagsLabel transactions your own way, across categories. | Included | Included | Included |
| Budget | |||
| Monthly budgetPlan each category for the month and see how you are pacing. | Included | Included | Included |
| Yearly plan and overviewPlan the whole year month by month, including bills that do not come every month. | Included | Included | Included |
| RolloverBudget you did not use can carry forward. | Included | Included | Included |
| Budget thresholdsChoose when a category turns from green to amber to red. | Included | Included | Included |
| Savings | |||
| Savings goalsSave toward a target by a date, and tag the transactions that fund it. | Included | Included | Included |
| Investments | |||
| Investments — holdings and activityTrack holdings, buys and sells, and gains, in your ledger’s currency. | Included | Included | Included |
| Accounts | |||
| Credit card accountsAdd as many credit cards as you like. | Included | Included | Included |
| Debit cardsAdd a debit card and link it to the bank account it pays from; its purchases come straight off that balance. | Included | Included | Included |
| Cash walletsTrack spending from cash. | Included | Included | Included |
| Current and savings accountsCurrent and savings accounts, each with its own balance. | Included | Included | Included |
| Loan accountsTrack what you owe on a loan as you pay it down. | Included | Included | Included |
| Investment accountsBrokerage and other investment accounts, alongside the rest. | Included | Included | Included |
| Card payment-due projectionSee what each card will ask you to pay, and when. | Included | Included | Included |
| Receipt data | |||
| Receipt price sharing and price searchIf you opt in, share receipt prices without your name and see what items cost at other shops. | Included | Included | Included |
| Reporting | |||
| Monthly LetterA short write-up of your month: what changed and what to look at next. | Included | Included | Included |
| Cross-Ledger ReportOne report across your ledgers in different currencies, converted to a currency you choose. | Not included | Included | Included |
| CSV exportDownload your transactions as a spreadsheet file. | Included | Included | Included |
| AI | |||
| AI Money Buddy — ask questions about Aurora and your own figuresAsk questions in plain words about Aurora or your own figures. It only reads; it never changes anything. | Included | Included | Included |
| Settings | |||
| Currency, categories, notifications and SMS sendersSet your home currency, categories and notifications, and which text-message senders to read. | Included | Included | Included |
| Invite household membersInvite a partner or family into your household, each with their own role. | Not included | Included | Included |
| Platform | |||
| Mobile appUse Aurora on iPhone and Android as well as on the web. | Included | Included | Included |
No ads, ever. You're the customer, not the product.
Give it a month. See your money clearly.
Every feature, free for 33 days — long enough to capture a whole month of spending and look back on it. If Aurora earns its place, subscribe. If not, walk away: no card needed to start.
On a computer? The iOS beta installs on your iPhone: open aurorafinance.app there and tap “Install the iOS beta”. Apple’s TestFlight app walks you through the rest.
Installing the iOS beta takes two steps:
- Install Apple’s free TestFlight app from the App Store.
- Come back here and tap “iOS beta (TestFlight)” again. TestFlight opens the invite: tap Accept, then Install.
You don’t need a redeem code. If TestFlight asks for one, it was opened without the invite: come back and tap the button again, in Safari rather than a chat app.