AORAES

AORAES · YOUR SITUATION

Your life does not start with a financial product.

Start with the change, question or responsibility you have today. Then we will see which information, tool or conversation can help.

This is not a recommendation or a request to buy anything.

Which one looks most like your moment?

  1. Arrival and first payslip

    I just arrived or still do not understand my payslip

    Clarify gross pay, net pay, real costs and the documents worth keeping from the start.

  2. Organisation and liquidity

    I earn in euros, but do not know where my money goes

    Organise housing, everyday spending, annual payments, reserves and monthly headroom without imposing a rigid rule.

  3. Two countries

    I support family or my finances do not fit in one country

    Put remittances, travel, debt and return plans into your budget before making long-term decisions.

  4. Credit and rights

    I have repayments, credit or a SCHUFA question

    Bring together total cost, effective interest, dates and commitments without turning the tool into a credit assessment.

  5. Protection

    I do not know which risks I am actually covering

    Take stock of what you know, what still needs confirming and the questions worth taking into a conversation.

  6. Saving and investing

    I want to save or invest, but first need a framework

    Start with purpose, time horizon, liquidity and risk tolerance; products come later, if they fit.

  7. Future and mobility

    I am concerned about retirement, housing or leaving Germany someday

    Explore an illustrative scenario and keep mobility, tax and contract questions for a contextual review.

A route does not decide for you.

  • First we organise what you know and what you still need to confirm.
  • Then we compare options, costs, limits and consequences.
  • Advice appears only when it can add context to your case.