Aurum Balance

Aurum Balance is an independent finance calculator for comparing continued repayment of an existing debt with alternative terms you enter manually. Enter the shared remaining principal, calculation date, first payment date, nominal annual rates, remaining monthly terms, currency, and a one-time alternative scenario fee. The app forecasts two fixed-rate annuity payment schedules and shows how the scenarios differ. Key comparisons include: • Monthly payment change • Total interest difference • Final savings or overpayment after the fee • The stable break-even month for the one-time fee, when applicable • Month-by-month comparison of paid amounts, fee, remaining principal, and total comparative value A lower monthly payment does not always mean savings. Aurum Balance highlights when an alternative scenario saves money, when it only helps temporarily, and when no economic change exists. Saved comparisons include parameters, calculated results, schedules, modification time, and calculation model version. You can save drafts, edit comparisons, view schedules, delete records with confirmation, and review a local action journal for created, changed, and deleted plans. Payment schedule details show each month’s starting balance, interest, principal repayment, payment, and ending balance. A separate fee row is shown on the calculation date when a fee is entered. Supported currencies are USD, EUR, and PLN, with no currency conversion. Calculations use constant rates, monthly payments, full first monthly period assumptions, and a single separately paid fee. Daily accrual, variable rates, taxes, insurance, penalties, extra payments, and real payment tracking are not supported. All financial data is entered manually. Aurum Balance does not offer loans, approve credit, submit applications, match lenders, recommend financial organizations, provide investment advice, or pull data from external sources. Results are forecasts and should be checked against actual contract terms before decisions are made. Optional features include a default currency setting, date display format, local calculation model information, a private on-device usability rating, and one optional photo note for a saved comparison. Photo notes do not extract data and are not used in calculations.