Track expenses, crush debt, and let AI coach you to financial freedom. Vault Finance gives you clarity, confidence, and control - all privately on your device.
iOS 18+ required
Auto-sync apps let you watch your money disappear. VaultFinance makes you feel it.
When you type “47 Uber Eats, Saturday 2am” something changes inside you. That’s not a transaction. That’s a mirror.
You don’t need an algorithm to tell you you’re overspending. You need to feel every expense leave. That’s when the behavior changes.
“This isn’t just a tracker.
It’s a training program for your financial habits.”
The VaultFinance philosophy
52 weeks. 260 daily lessons. 10 levels. From Rookie to Financial Master. One lesson per day that builds real financial knowledge - budgeting, investing, debt, taxes, and more.
Not generic tips. Real insights based on everything you've entered - spending, savings, and debt. Powered by on-device AI.
Track every day you engage with your finances. Build streaks, maintain consistency. The habit of tracking is what changes your behavior permanently.
Start as a Rookie. Complete lessons, build streaks, and progress through 10 levels to Financial Master. Each level unlocks with real knowledge earned.
Other apps show you data. VaultFinance changes how you behave with money. Here’s the difference.
Like handwriting notes vs recording a lecture. Manual tracking creates real understanding.
No accounts, no servers, no data collection. Your finances are nobody's business but yours.
Before you buy anything, AI tells you the real impact on your budget, debts, and goals.
Three steps that turn a finance app into a habit-building system.
Log expenses manually or by voice. Each entry takes seconds but creates real awareness. You feel the money leave, not just see it on a chart.
260 daily lessons unlock progressively. Your personal coach uses everything you've entered to teach you based on your actual spending patterns.
Level up from Rookie to Financial Master. Build streaks, earn milestones, and watch your financial health score improve as your habits change permanently.
Simple, focused tools designed for real financial awareness.
Ask anything about your finances. AI works with everything you've entered - spending, debts, goals - and gives personalized advice. All on-device via Apple Intelligence.
NEWBefore you buy anything, AI tells you the real impact on your budget, debts, and savings goals. Get an affordability score instantly.
NEWChecking, savings, and credit cards with branded VISA, Mastercard, AMEX visuals and utilization bars.
Real-time progress bars for needs, personal, and savings. Colors shift when you're over budget.
Set targets and watch your progress visually. Emergency fund, vacation, new car.track it all.
Loans, credit cards, subscriptions. See monthly payments, due dates, and payoff progress.
Stocks, ETFs, crypto, bonds. Track performance and see your net worth at a glance.
Visual calendar with markers showing every upcoming bill. Never miss a due date.
Biometric protection. Your financial data stays secure with just a glance.
Download everything as PDF or CSV. Your data belongs to you, always.
Ask anything about your money. The AI coach works with everything you've entered in the app - spending, debts, savings goals, and accounts - to give you actionable answers.
The 50/30/20 budget shows real-time progress with color-coded bars that shift when you're overspending. The Debt Payoff Calculator compares snowball vs avalanche methods so you can pick the fastest path to debt-free.
Stored on your device and your personal iCloud. We have zero access.
Your data lives on your device and your personal iCloud. We have no servers and zero access to your information.
We never ask for credentials. Your bank accounts remain completely private.
No analytics. No tracking. No data sold to third parties. Ever.
From our beta testing community.
"I used to stress about every purchase. Now I just ask the AI coach and it gives me a clear answer based on my real financial situation."
Laura T.
"The Purchase Advisor saved me from so many impulse buys. It shows exactly how a purchase affects my budget and goals."
Daniel R.
"I enter my accounts, debts, and goals, and the AI uses everything to give me real advice. I just ask a question and get answers based on my actual numbers."
James K.
"The debt payoff calculator showed me I could be debt-free 2 years earlier using avalanche method. That one screen changed everything for me."
Sofia M.
"I love that everything runs on my phone. No bank logins, no servers, no tracking. Finally a finance app that respects my privacy."
Marcus W.
"The Academy lessons are addictive. One per day, and I actually understand investing now. I went from Level 1 to Level 6 in three months."
Emma L.
"The AI coach told me my subscription spending was 23% of my income. Seeing that number made me cancel 4 subscriptions that same day."
Alex P.
"I asked the AI if I should buy a new laptop and it broke down exactly how it would delay my emergency fund goal. So clear and honest."
Priya S.
A tracker, an academy, and an AI coach that works with your numbers. Stop stressing. Start knowing.
iOS 18+ required • Free to download