Eurale Germany
Euro + Taler — disciplined money for Germany
Choose how you'd like to explore Eurale
Available at launch

Launch version

The live, functional product that ships first — the low-risk financial-discipline tools, fully usable.

  • Safe-to-spend & protected payments
  • Emergency fund & one active goal
  • Credit Health status & coaching
Enter launch version →
Roadmap preview — not yet available

Vision preview

A clearly-labelled walkthrough of Eurale's future phases, including the Track B wealth-intelligence layer. Illustrative only.

  • Everything in the launch version
  • Unified position & portfolio health (Phase 4–5)
  • Shown as preview — nothing actionable
Preview the full vision →
Eurale launches as a non-custodial financial-wellness product. The launch version reflects what ships first; the vision preview shows the phased roadmap and is not financial advice, not investment advice, and not available today.

You're viewing Eurale's future roadmap

These features are illustrative previews — not yet available, not actionable, and not financial or investment advice. A banner will stay visible while you explore this mode.

Vision preview — future roadmap, not available at launch. Illustrative only, not financial advice.

Overview

Ramjit Nandakumar
RN
Safe to spend this week
€182
On track after protected payments and your goal contribution
All covered
Protected payments
€1.850
Emergency fund
Protected
Credit Health
Do this next See all 6 →
Dispo

Avoid overdraft (Dispo) this month

You dipped into Dispo on 3 days last month. A small plan avoids it.

-€38
Save

Cancel unused subscription

Urban Sports Club — no check-ins for 88 days.

€59,88/yr
Goal

Reach your one-month reserve

€1.350 to go. At €150/month you're there in 9 months.

€1.350
Protected payments — next 14 daysAll payments →
Rent (Miete)Due in 7 days
Standing order · Sparkasse
€1.150
Energy (Vattenfall)SEPA direct debit
Scheduled
€95
Insurance (HUK24)SEPA direct debit
Liability + household
€140
€1.550 committed in the next 14 days — all covered by your projected balance.
AccountsManage →
Sparkasse — current account
••4821
€2.140
DKB — savings
Emergency fund
€1.850
ING — goal savings
Travel fund
€820
Ratenkredit · furniture
€100/month · 8 left
-€800
Safe-to-spend — last 8 weeks
Weekly discretionary capacity after obligations and goal
Where this is heading — Wealth IntelligencePhase 4–5

Once you've built discipline and a readiness profile, Eurale can connect your savings and investments into one picture — and explain how today's spending affects long-term goals. This is a future phase, shown here as a preview only.

Open the preview →
This month
Protected payments
Cash-flow forecast
Transactions
June 2026 — €2.240 spent
Excluding protected payments and savings
By category
Auto-tagged, user-correctable
Food delivery78%
€234 / €300 · ahead of pace
Groceries52%
€312 / €600 · on pace
Shopping34%
€170 / €500 · under pace
Food delivery is €90 above your 6-month average — 4 late orders this week. View alert →
All protected payments covered. Your projected balance stays above every due date this month.
Recurring obligations€1.550 / month
Rent (Miete)
18th · standing order
€1.150
Energy · Vattenfall
20th · direct debit
€95
Insurance · HUK24
25th · direct debit
€140
Mobile + internet · o2
28th · direct debit
€65
Ratenkredit · furniture
1st · direct debit
€100
Subscriptions€48/mo
Netflix
Used 3 days ago
€13,99
Spotify
Active daily
€10,99
DAZN
Football season
€14,99
Urban Sports Club
No check-ins 88 days
€59,90
Unused: Urban Sports Club has no activity. Cancelling saves €718,80/yr.
Tight week · around 27 Jul

Balance may dip to €120 before salary on 1 Aug. Consider moving €80 of discretionary spend to next week to avoid Dispo.

30-day outlook

Groceries steady, delivery ↓ after alert, shopping ↓ post-salary. Estimated discretionary spend €2.150 (±€180).

Next 60 days — balance vs. obligations
Predicted salary credits and committed outflows · shaded band = confidence range · budgeting projection, not investment advice
Suggestion: keep a €200 floor in your current account and shift €80 of spending from week 4 to week 1 to stay out of Dispo.
Today · 12 Jul
🍔
Lieferando
Food delivery · 22:40
-€24,80
☕
The Barn
Café · 08:15
-€4,20
Yesterday · 11 Jul
🛒
REWE
Groceries · 18:30
-€41,60
🚆
BVG
Monthly ticket
-€49,00
1 Jul
💶
Salary (Gehalt)
Income · credited 06:00
+€3.200
📦
Amazon
Household
-€63,40
Recommended actions
Alerts
How you compare
Credit Health
Ranked by impact on your financesupdated 12m ago
01Dispo

Plan around Dispo (overdraft)

3 overdraft days last month cost interest. A small buffer avoids it entirely.

€38/yr
02Save

Cancel Urban Sports Club

No check-ins for 88 days. €59,90/month with no activity.

€718,80/yr
03Goal

Build your one-month reserve

€1.850 of €3.200. €150/month reaches a full month's buffer by March.

€1.350
04Debt

Finish the Ratenkredit early

8 instalments left. Adding €40/month clears it 2 months sooner.

Guidance
05Spend

Trim late-night delivery

€90 above your usual this month. Setting a soft cap keeps your goal on track.

€90/mo
06SCHUFA

Review your SCHUFA data

You're entitled to one free copy per year. Correcting errors protects your creditworthiness.

Guidance
Things we noticed3 new
Food delivery spike
€90 above your 6-month average. 4 late orders this week.
Dispo used again
You entered Dispo on 3 days last month. Want a buffer plan?
Goal on track
Your travel fund is 1 month ahead of schedule. Nice work.
You vs. people like you31y · €3.200 net · Berlin
Savings rate — 18%peers: 11%
Emergency buffer — 0.6mopeers: 1.1mo
Dispo days / month — 3peers: 4
Delivery spend — 10%peers: 7%
You save more than peers, but your emergency buffer is thin — building it is your biggest win.
Credit Healthinternal status
Protected

Your payment behaviour looks healthy

No missed contractual payments in the last 6 months. Keeping Dispo use low and paying on time protects your creditworthiness over time.

Avoid Dispo this month to keep your status strong
Request your free annual SCHUFA copy and correct any errors
This is Eurale's internal wellness status, not an official SCHUFA score. Eurale does not guarantee a score increase and does not share this with lenders, landlords or employers.
Travel fund — savings projection
At €160/month you reach €2.400 by December · budgeting projection, not investment advice
Travel fundOn track
€820of €2.400
34% · target Dec 2026 · 1 month ahead
Your active goal. Funded from surplus after protected payments — no new debt.
Emergency fundBuilding
€1.850of €3.200 (1 month)
58% · €500 milestone reached · one-month target next
Tiered targets: €500 → 1 month → 3 months. At €150/month you reach one month by March.
The launch version supports one active goal plus your emergency fund.
More goals — Eurale Plus
Your alerts4 on
Payment-risk alerts
Warn me if a protected payment might not be covered
Dispo warning
Notify before my balance would enter overdraft
Spend-cap alerts
Tell me when delivery exceeds €300/month
Subscription warnings
Flag unused subscriptions after 60 days
Weekly coaching summary
A short Sunday recap and plan for the week
Goal reminders
Nudge me if I miss a goal contribution
Coaching effectivenessopened vs. acted on
How coaching reaches you
When salary lands
Allocation suggestion
Within 2 hours — a specific, non-pushy split for your reserve and goal.
"€3.200 arrived. After protected payments, €480 is free. Move €160 to your travel goal?"
When spend spikes
Gentle mirror
No lecture — just this week vs. your usual.
"€72 on delivery this week. Your usual is €30."
Before a tight week
Dispo heads-up
A few days ahead, with one concrete step to avoid overdraft.
"Balance looks tight around 27 Jul. Shift €80 to next week?"
Track B — future phase. Everything on this screen is an illustrative roadmap preview. Figures are examples, nothing is actionable, and none of this is available at launch or constitutes financial or investment advice.
Unified position (preview)
€14.280
Example figure cash, savings and investments across institutions · Phase 4
Portfolio healthPhase 4
Fees0.4% — reasonable
Concentration1 fund = 60%
Liquidity vs. goalsadequate

Factual analytics only. Product-specific recommendations require an authorised route and human oversight (Phase 5).

Long-term projectionPhase 5
Educational simulation — not investment advice
Goal-linked guidancePhase 5 · regulated route

In a later phase, Eurale would connect long-term goals to contribution requirements and risk capacity — and any personalised investment recommendation would be delivered only through an authorised partner or regulated function, with human oversight and suitability checks. Shown here as a preview of the destination, not a live feature.

Linked accounts5 · via PSD2 provider
Sparkasse — current account
Bank · ••4821
€2.140
DKB — savings
Bank · ••7702
€1.850
ING — goal savings
Bank · ••9013
€820
o2 — mobile + internet
Biller
€65/mo
Ratenkredit · furniture
Loan · €100/mo
-€800
Privacy & consentyou're in control
Read-only access
Consent covers account information only — it does not authorise payment initiation
Auto-refresh balances
Every 6 hours via authorised PSD2 provider
Revoke all access
Removes all data access instantly
Last sync: 4 minutes ago · all accounts current
Eurale never requests your online-banking password. Connectivity is provided by an authorised account-information provider under the German payment-services framework (ZAG).
PSD2 / ZAGBanksBillersLoansRead-onlyGDPR