Aurum, a money tracker with no bank login. Know if you'll make it to payday. Manual entry or CSV. Built solo. No data sold.
Canton, OH
Joined October 2014
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- Followers261
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Aurum now has a YouTube channel.
First video is a 54 second walkthrough of getting started. Text only, no voiceover, so it plays fine on mute.
It's built for people searching for a budget app that doesn't ask for a bank login.
Video: youtu.be/rbtz7PK_dug Channel: youtube.com/@aurumapporg
App: aurumapp.org. Free to start, Pro is $9 a month or $79 a year.
A net worth number that went up last quarter doesn't tell you if you did anything right. A rising market can lift it while you spent more than you earned. A falling market can drag it down while you saved every payday.
Split the change in two: what the markets did, and what you added or paid off yourself. Only the second part is behavior, and it's the only part you can repeat next month.
Annual renewals hide in a monthly budget. The charge lands in one month, looks like a one off, and a year later nobody remembers agreeing to it.
Search 12 months of transactions for merchants that show up exactly once. A few will be renewals. Domains, software, insurance add ons, trials that quietly converted.
Every KPI should pass 1 test. If it moves 10% tomorrow, what do you do on Monday?
If the answer is nothing, it's decoration. I've spent 20+ years in logistics operations, and most dashboards I've seen are mostly decoration.
Same goes for money. A pie chart of last month changes nothing you do today.
What's left after bills before payday does.
Posted my 2nd TikTok for Aurum today.
The pitch in 21 seconds: every budgeting app opens by asking for your bank login. Aurum never does. You type it in or drop a CSV, and it tells you if you'll make it to payday.
Someone asked me this week if I worry people will pick ease of use over security and never buy in.
Yes. Many people will choose bank sync, and I'm not building for them.
Aurum is for people who don't want a third party holding their bank login. That's a smaller market, so the job is making manual entry as painless as possible. That's why I built CSV import, which reads the file in your browser and never uploads it.
Whether a small market that really cares is enough, I'll find out.
Aurum's CSV import never uploads your file.
The browser reads it. Only the transactions you confirm get saved.
Catching duplicates means comparing your file to what you already have. So the browser downloads your saved transactions for the file's date range and compares there. No hashes sent. The server only sees the earliest and latest dates in the file, so it knows which range to fetch.
Checked in the code and database on Oct 14.
Rocket Money's privacy notice has a table of who your data goes to.
Transaction history is on the list of what it shares. "For our affiliates' everyday business purposes, information about your transactions and experiences": Yes. Can you limit it? No.
Affiliates include Rocket Mortgage, Rocket Auto and Rocket Loans. And if you stop being a customer, the notice says it continues to share your information.
Screenshot page 1 of the notice. Read yours before you link a bank.
I built Aurum with no bank connection, so there's no transaction feed to share. Manual entry or CSV import, and imported files are read in your browser and never uploaded. Free to start. aurumapp.org
Source: rocketmoney.com/privacy-noti…, read Oct 23, 2026. It's a privacy notice, and it describes what Rocket Money is allowed to share, not what it does with any one user's data.
Look at the 5 days before your next paycheck.
Rent, a card autopay, an annual renewal. They tend to stack up right when the balance is lowest, and a monthly total never shows it.
I've worked in logistics since 2001. Planning there runs on what arrives when, because total inventory tells you nothing about Tuesday.
Sort last month's transactions by date and read only the final 5 days before payday.
Yesterday a public audit scored aurumapp.org 88/100. Today it's 95.
Security hit 100 after I moved the domain behind Cloudflare. Page load is 964ms, with 0ms blocking time.
Thanks to @Buildhop_io for the FreeScan access.
What's the first thing you check on a site before you share it?
On October 16 I published the first Aurum YouTube video. 54 seconds, text only.
Title: “Getting started with Aurum”
What's the first thing you'd want to see in a budget app demo?
Where did your last Venmo payment to a friend land in your budget?
If your tracker filed it as a transfer, it likely doesn't count as spending. Your share of the rent or the dinner you owed can leave your account and never touch your monthly spending number.
Open last month, search for those payments, and check which bucket they're in.
Last 7 days on aurumapp.org: Google 51, Direct 37, X 11.
X is where I spend my posting time, and it's third. Followers are 237 this morning, and that's the number I'm weighting least.
A follower count can't open Aurum. A visit can. So the next batch of posts is judged on visits from X, and I'll check that number against Google weekly.
Liquid cash is the first thing you see on the Aurum dashboard now, with a 30 day line under it. That's the number that tells you if you'll make it to payday.
Income and Expenses share 1 ring. Dark mode is a warmer black. Numbers count up, and they respect reduced motion.
The version number is tappable too. It opens a What's new panel, so the changelog lives in the app (v1.3.0, shipped Oct 1).
On Oct 14 I checked what CSV import stores in your browser. It was saving the file name in local storage until midnight. Nothing in the app used it.
An unused copy of something you imported has no business being there, so I removed it.
Import now stores the file name nowhere, and old copies clear the next time Transactions opens.
The file is read in the browser and never uploaded. Only the earliest and latest dates go to the server for the duplicate check.
