Eurale is a Berlin-based financial-wellness platform that helps salaried people in Germany protect essential payments, build a reserve, and fund real goals — before ever touching investment products.
Many digitally active people in Germany earn steadily, yet feel month-end pressure — because rent, subscriptions, instalments, overdraft (Dispo) and everyday spending are never managed as one forward-looking system.
Existing apps show transactions, hand out cashback, or sell investment products. None of them fix the sequence that actually keeps people in control.
"Protect payments → create surplus → complete goals → build readiness → understand wealth."
No custody, no lending, no investment advice. Just the tools that help people stay in control of the money they already have.
A realistic weekly and daily amount to spend, calculated after protected payments and goals.
Rent, utilities, insurance, telecom and debt prioritised, with projected-balance warnings before a shortfall.
Spot avoidable subscriptions and category overspend — and reduce overdraft and instalment risk.
Build a reserve in tiers, then fund one meaningful goal — travel, education, a move — without new debt.
Explainable, non-pushy nudges when salary lands, when spending spikes, and before a tight week.
An internal wellness status — Protected, Needs attention, High risk — with reasons. Never an official SCHUFA score.
Eurale is deliberately structured as two tracks. A non-custodial discipline product first; a regulated wealth-intelligence layer only after trust, retention and a regulated route are established.
The launch version is a low-risk, non-custodial, non-advisory slice. The full vision is shown only as a clearly-labelled preview — never as a live feature. This separation is built into the product itself, and you can see it in the prototype.
Each phase must be earned before the next begins. Regulated capabilities activate only behind the appropriate gate.
Berlin combines a large international consumer base, a mature fintech cluster and the country's leading startup ecosystem — the talent, partners and regulated infrastructure Eurale needs.
It is also a city with a comparatively high incidence of payment difficulty, supporting a real regional need for preventive, non-lending financial tools.
Open the interactive prototype. Start in the launch version, or switch to the full-vision preview to see where Eurale is heading.