Local · Private · Yours
The engineering tool for your finances.
Drop in your bank and card statements. Get AI-powered analysis — spending, subscriptions, affordability, trends. All of it runs on your Mac. Your financial data never leaves it.
macOS 12+ · one-time purchase · 30-day money-back
The arrangement you never agreed to
Your entire financial life is sitting on someone else’s servers.
Every transaction. Every balance. Every habit it reveals about you — held by a company you’ll never meet, secured by a promise you can’t verify.
It’s read to sell you things. It’s one breach away from strangers. And you agreed to all of it the day you clicked “connect your bank.”
Aurum was built for people done making that trade.
How the privacy actually works
Not a policy. Cryptography.
A privacy policy is a promise someone can break. This is architecture that can’t. Here is exactly what happens to a document the moment you drop it in — and exactly what never happens.
Four layers of encryption, every one of them on your Mac.
The analysis runs on AI models on your Mac, through Ollama, accelerated by Apple’s Metal GPU. The model reads your data on your hardware and answers right in the app. Aurum only ever talks to localhost. Confirmed in code. There is no API call. There is no “us” in the loop.
No Plaid. No telemetry. No account. The only thing that ever leaves your Mac is a single license check on first launch. Your key, never your data, exactly once.
How it works
From statement to answer, in three steps.
No bank login, no setup wizard, no account. Just your statements and your Mac.
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Drag in your statements.
Drop your bank and card statements — PDFs or CSVs — straight into Aurum. No linking accounts, no handing over credentials. The moment they land, they’re encrypted on your machine.
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Local AI reads and organizes.
AI models running on your Mac, through Ollama, read every transaction, categorizing, finding subscriptions, building the picture. The work happens on your hardware, accelerated by Apple Silicon. Nothing is sent anywhere.
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Ask anything about your money.
Ask in plain language: what you’re spending, what you can afford, where the money’s going, which subscriptions to cut. You get an answer in seconds, and the whole conversation stays on your Mac.
Setup is a drag-and-drop. The privacy is the architecture.
Why trust an app you’ve never heard of
Don’t trust us. Verify us.
Trust is the wrong thing to ask for. A privacy promise from a stranger is worth nothing — it’s exactly what a data grab would say too. So we don’t ask you to believe us. We built Aurum so you can confirm, with your own tools, that your financial data never leaves your Mac.
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Watch the network yourself.
Install a network monitor, Little Snitch, or the free, open-source LuLu. Drop in a statement. Run a full analysis. Watch every outbound connection your Mac makes. You will see Aurum send nothing, because there is nothing to send. The analysis happens entirely on your machine. A data grab can’t survive being watched; that’s why we invite it.
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Apple verifies the app, not just us.
Aurum is signed and notarized through the Apple Developer Program under a real, identifiable developer. macOS itself checks that the app you downloaded is exactly what we shipped, unmodified, untampered. That’s a third party vouching for the binary, independent of anything we claim.
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Activate once, then go dark.
Aurum checks your license a single time, on first launch. Your key, never your data. After that it never needs the network again. Run it on a plane, in airplane mode, forever. The one connection it ever makes is the one we’re telling you about right here.
We can’t misuse data we never receive. That isn’t a policy. It’s the architecture.
How Aurum compares
The other tools live on someone else’s servers.
Monarch, YNAB, Copilot, Era, capable products, all built the same way: your financial data on their cloud, linked through Plaid, behind an account. Aurum does the analysis on your Mac, from statements you drop in yourself, with no account and no subscription. Here’s the honest comparison.
| Dimension | Aurum Valence | Monarch | YNAB | Copilot | Era | Actual Budget | ChatGPT |
|---|---|---|---|---|---|---|---|
| Where your data lives | Your Mac | Their cloud | Their cloud | Their cloud | Their cloud | Your device | Their cloud |
| AI analysis | ✓ | ✓ | ✗ | ✓ | ✓ | ✗ | ✓ |
| How it reads your transactions | Drag and drop | Plaid bank link | Plaid bank link | Plaid bank link | Bank link | Manual import | Paste or upload |
| No account needed | ✓ | ✗ | ✗ | ✗ | ✗ | ✓ | ✗ |
| Pricing | $149 once | ~$100+/yr | ~$109/yr | ~$95/yr | Freemium | Free (open source) | ~$20/mo |
One other tool runs locally. Several use AI. Only Aurum does both. On your Mac, from your statements, with no account and no monthly fee.
Reflects publicly available information as of June 2026. Verify current details with each provider.
Requirements
What your Mac needs
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Apple Silicon
An Apple Silicon Mac (M1 or newer). Intel Macs are not supported.
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macOS 12+
macOS 12 Monterey or later.
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Memory
16 GB of memory recommended. Because the AI runs on your machine instead of a server, it works with real memory rather than offloading to the cloud. That’s the privacy guarantee, made physical. 8 GB will run, but the model competes harder for room.
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Disk
About 15 GB free (the app plus its on-device AI model).
Everything stays on your Mac. That’s the whole point, and the reason it asks for a capable one.
Pricing
Pay once. Own it.
Every tool in that comparison bills you every year, forever, to keep your financial data on their servers. Aurum is a one-time purchase. Buy it and it’s yours, on your Mac, no subscription, no renewal, no account to cancel.
One-time purchase · Founding price
Get founding access30-day money-back guarantee · macOS 12+ · Apple Silicon required
Founding price for the first release. The price rises to $249 after the founding period.
- No subscription Buy once. Never billed again.
- No account Nothing to sign up for, nothing to cancel.
- Yours offline Runs with no internet after a one-time license check.
A cloud finance app at $100 a year costs more than Aurum before its second year is out, and keeps charging every year after. Aurum costs you nothing again.
Questions
The questions every careful buyer asks.
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Don’t take our word for it. Verify it. Install a network monitor like Little Snitch or the free, open-source LuLu, then run a full analysis in Aurum. You’ll see it make no outbound connection carrying your data, because the AI runs entirely on your Mac. The only network call Aurum ever makes is a one-time license check on first launch. Your key, never your data.
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Your ledger becomes unreadable, and that’s the guarantee working as designed. The key lives only on your Mac; no one, including us, can recover it, because we never have it. If it’s ever lost, you simply re-download your statements from your bank and re-import them. Your data is never held hostage, because it was never anywhere but your machine.
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Yes. After a single license check on first launch, Aurum never needs the internet again. The analysis runs on local AI models on your Mac. Run it on a plane, in airplane mode, forever.
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Because there’s nothing to rent. The other apps charge every year to keep your data on their servers and pay for bank-linking infrastructure. Aurum has none of that, it runs on your hardware, so it costs us nothing to keep running, and it should cost you nothing again. You buy it, you own it.
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You shouldn’t have to trust us — that’s the point. A privacy promise from a stranger is worth nothing. So we built Aurum to be verifiable: watch the network yourself, and rely on Apple’s notarization, which confirms the app you downloaded is exactly what we shipped, unmodified. Trust the architecture, not the marketing.
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No. Aurum gives you analysis and general financial information about your own money (spending patterns, subscriptions, affordability, trends). It is not a registered investment advisor or a tax professional, and nothing it produces is personalized investment, tax, or legal advice. It’s an analytical tool; the decisions stay yours.
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A Mac running macOS 12 (Monterey) or later; Apple Silicon required. Aurum reads your bank and card statements as PDFs or CSVs that you add yourself, no bank login, no Plaid, no account.
Your data · Your AI · Your Mac
Engineer your finances. Privately.
The analysis of a financial tool. The privacy of a machine that talks to no one.
One-time purchase · 30-day money-back · macOS 12+
Your financial data never leaves your Mac. Ever.