Aurum Reserve

Aurum Reserve helps you prepare your own reserve for existing debt payments when income dates and payment dates do not line up.

Use a clear offline plan to see upcoming obligations, expected funds set aside for debts, confirmed reserve, and payment dates in one vertical timeline. Add each obligation manually with its name, balance for reference, regular payment amount, payment day, first future date, and optional note.

Plan dated inflows by entering only the amount you are ready to allocate toward debts. The app uses one chosen currency and does not convert amounts. Monthly repeats and individual event edits help you shape a practical planning period.

The working plan uses reverse reserving: required payments are calculated first, then earlier available inflows are assigned to the nearest uncovered payments in chronological order. For each payment, you can see which earlier inflows support it, how much should be reserved, and any uncovered amount.

You can protect part of a specific earlier inflow for one selected payment and compare the original plan with the changed version. The result shows coverage for each payment, the first shortage date, and expandable links between inflows and payments.

A calendar separates reserve dates from actual payment dates. You manually mark money as set aside and payments as completed. These actions only update your local records; they do not send money or contact creditors.

A local journal records date, amount, action type, and the related entry, with corrections supported so confirmed reserve can be recalculated without double counting. Saved plans are archived as snapshots, so later edits do not rewrite past results.

For an obligation, you may optionally attach a photo of a paper note. Camera access is requested only when you choose that action. Photos are stored locally in the app's private storage and can be viewed or deleted.

Aurum Reserve works fully offline. It does not request loans, submit applications, offer creditor products, change contract dates, send payments, or promise approval for payment changes.