Avuru Vision — Product Roadmap
We build around three pillars: TRACK (see all your money), OPTIMIZE (make it work harder),
and INVEST (grow it safely). Here's where things stand.
✅ Available now
- Track everything in one place — manual accounts, full transaction management, CSV/OFX import, multi-currency balances converted to your home currency.
- Budgets, reports & dashboard — budgets with subcategories, income-vs-expense, spending/payee breakdowns, health-score dashboard.
- AI financial assistant — chat over your own numbers with charts; guides you to the right screen and pre-fills it (read-only — it never moves money).
- Scan & store documents — OCR receipts/PDF statements into transactions, plus a searchable document vault.
- Splits, PDF export & referrals — split a transaction across categories, export reports to PDF, invite friends with a personal link.
- Goals & safe-to-spend — set goals; see a real "remaining to live" figure from your recurring commitments.
🚧 In progress
- OPTIMIZE money engine — 50/30/20 Needs/Wants/Savings view, emergency-fund target, "pay yourself first" payday routing, low-cushion crisis mode.
- Loans & mortgages — add loans + borrower insurance for a debt-ratio health check and alert.
- Invest starter tools — risk-profiling questionnaire and compound-growth simulator, unlocked once your emergency fund is set.
- Plans & fair-usage limits — Free / Plus / Pro with a 14-day full-access trial.
- Deeper AI — proactive insights, auto-categorization and recurring-payment detection, being surfaced across the app.
🔜 Coming soon
- Loan what-if simulator — compare refinancing / early-repayment scenarios.
- Auto-categorization & subscription detection — auto-tag transactions, flag recurring bills.
- Proactive alerts — low-balance, budget-overrun and unusual-spend notifications.
- Fee & subscription audit — surface wasteful recurring charges.
- Paid checkout — subscribe once your trial ends.
🧭 Planned / exploring
- Real bank connections — automatic sync via open banking. Today bank linking is simulated (demo banks); it stays read-only by design.
- Investment recommendations — personalized product suggestions. Regulated advice in France — ships only after compliance sign-off.
- Cross-border & tax helpers — fiscal tooling for expats and frontaliers.
- Portfolio & retirement planning — dividends, FIRE/retirement calculators.
- Family & Business plans — shared budgets, multiple users, freelancer tooling.
Roadmap items and timing may change. Tell us what matters most — reply below.
