Live
Web app (installable PWA) Personal Finance Dashboard
Your whole money picture on one private dashboard — safe-to-spend, budgets, bills, goals, debt payoff and net worth, on your phone and laptop.
Try the live demo to explore the application — it runs right here on VaultlyApps with sample data, no sign-up needed.
Vault is a private personal finance dashboard that combines a budget planner, expense tracker, bill calendar, savings goals, debt payoff planner and net worth tracker in one app. It runs in the browser, installs on a phone or computer like a normal app, works offline once installed, and keeps your data on your own devices — there is no account, no subscription and no bank connection.
Most people's money lives in five places — a bank app, a spreadsheet, a notes app, email reminders and their head. A bank balance doesn't say what is actually free to spend once bills, subscriptions, debt payments and savings have taken their share. Vault pulls those pieces into one dashboard and turns them into a single, explainable number.
Income this month minus what you've spent and what's still budgeted, spread across the days until payday — so you also see roughly how much you can spend per day.
Type a price and get an honest answer — fits, fits but dips into next-payday money, or doesn't fit yet — then log it or turn it into a savings goal.
Give every dollar a job until "left to assign" reaches zero. Recurring rules add salary, rent and regular costs automatically.
A week-by-week bill calendar, due-soon and overdue flags, true yearly costs, and warnings before free trials turn into paid plans.
Compare the snowball and avalanche methods side by side, with an estimated debt-free date, total interest and an extra-payment slider.
List assets and debts, save a snapshot each month, and watch the growth chart over time.
Import a CSV downloaded from your bank with a live column preview. Duplicates are detected and skipped. Vault never connects to your bank.
Link up to 4 of your own devices with a 6-digit code or QR. Data is encrypted on the device before it travels, so the relay in between can't read it.
Spending by category, income vs spending and top payees, monthly or yearly — print or save as PDF.
Scroll sideways · select to enlarge
Vault dashboard with safe-to-spend, net worth, cash flow and upcoming bills
The "Can I afford it?" check comparing a purchase against the current budget
Zero-based budget screen where every dollar is assigned to a category
Linking a phone and a laptop with a 6-digit code
Vault on a phone screen
Open the live demo to explore Vault with realistic sample data.
After buying, open your private link on your phone or computer and install Vault — it gets its own icon.
Clear the sample data and add your income, budget and bills.
Optionally link your phone and laptop in Settings with a 6-digit code.
Vault is built around one question: what can I actually spend right now? Everything else in the app — the budget, the bill calendar, the goals and the debt plan — feeds that answer.
The dashboard shows Safe to Spend, net worth, income, expenses, savings rate, a 12-month cash-flow chart, where your money went, bills due in the next 14 days and your savings goals, all on one screen. Open the Safe to Spend card at any time to see exactly how the number was worked out: income this month, minus what you've spent, minus what is still budgeted — then spread across the days until payday, so you also see roughly how much you can spend per day.
Tracking is designed to take seconds: a quick-add for amount and category, a full form when you need dates, tags and notes, and an Undo button after every change. Recurring rules mean salary, rent and other regular items appear on schedule without re-typing. Instant search finds any transaction across your whole history.
If the idea of a safe-to-spend number is new, our guide What is a safe-to-spend number? explains the formula with worked examples.
Vault suits people who want one place for their whole financial picture instead of five spreadsheets and a banking app:
It works with weekly, every-two-weeks, twice-a-month and monthly pay, and with any currency symbol you choose.
Budget. Vault uses zero-based budgeting: give every dollar a job until "left to assign" reaches $0.00. Categories show what's budgeted, spent and left, so you can move money between them when plans change.
Can I afford it? Type a price before you buy and Vault answers honestly: already in your budget, fits in Safe to Spend, fits this month but dips into post-payday money, or not comfortably this month — with how short you'd be. You can log the purchase or turn it into a savings goal from the same window.
Bills and subscriptions. A bill calendar laid out week by week, paid and still-to-pay status, due-soon and overdue flags, and one-tap "mark paid". Subscriptions show their true monthly and yearly totals, trials get warnings before they turn into paid plans, and cancel candidates are ranked by yearly cost. Our subscription audit guide walks through how to use those numbers.
Goals and challenges. Savings goals with targets, progress rings and optional deadlines, plus 52-week, 100-envelope, 30-day and build-your-own challenges.
Debt. Enter each card and loan and Vault builds two plans — snowball (smallest balance first) and avalanche (highest rate first) — with an estimated debt-free date, total interest and payoff order for each. The cheaper plan is marked, and an extra-payment slider shows how much sooner you could finish. Read Debt snowball vs debt avalanche for a worked example.
Net worth. List assets and debts, save a snapshot each month and watch the growth chart. A "what if I invest every month?" calculator shows what steady investing could build over time.
Reports. Where spending went, income vs spending and top payees, by month or year — ink-friendly pages you can print or save as PDF.
Vault has no account system and no bank connection. Your data is stored on your own devices. When you link a phone and a laptop — once, with a 6-digit code or a QR scan — changes are encrypted on the device with a key only your linked devices hold, and the relay that passes them along cannot read them. A device that was offline catches up when it reconnects. A one-click backup file lets you keep your own copy, and you can restore it at any time.
There are no analytics or tracking pixels inside the app, and no "anonymous usage statistics".
Vault is a progressive web app: it installs from your private link on iPhone, iPad, Android, Mac, Windows and Chromebook, opens with its own icon and works offline after the first visit. Updates arrive automatically — there's nothing to re-download. Our article Android app vs web app explains why we build this way.
You can choose Calm, Light or Dark themes, and keyboard shortcuts (N for a new transaction, ? for the full list) make it quick on a laptop.
From then on, Safe to Spend is your starting point each day.
If you mainly want one calm number and fewer decisions, Flow is our ADHD-friendly budget planner. For a dedicated debt plan with what-if scenarios, see Zero; for bills and subscriptions on their own, Pulse.
Vault is a planning tool. Its debt and savings figures are estimates based on the numbers you enter — your lender's figures may differ slightly — and it is not financial advice.
Further reading
Business Software
Owner's draw or salary, how much to take, and how to turn uneven income into a steady paycheck — a practical guide for sole proprietors, freelancers, makers and small business owners, with a worked example.
Personal Finance
The snowball method pays the smallest balance first; the avalanche method pays the highest interest rate first. Here's how they compare on the same debts, with real numbers — plus the hybrid method and how to choose.
Personal Finance
Your bank balance isn't what you can spend. A safe-to-spend number subtracts bills, savings and planned spending first — here's the formula, worked examples for monthly, weekly and irregular pay, and the mistakes to avoid.
More from VaultlyApps
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ADHD Budget Planner
A calm budget planner designed for ADHD brains — one Safe to Spend number, 3-tap logging, focus mode and kind overspend fixes instead of red warnings.
Live
Debt Payoff Planner
See your debt-free date, compare the snowball and avalanche methods side by side, and watch extra payments pull the finish line closer.
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Savings Challenge Tracker
Run a 52-week, 365-day, no-spend or custom savings challenge and watch your savings grow — with goals, an emergency fund tracker and kind catch-up options.
The live demo runs in your browser with realistic sample data. Nothing to install, nothing to sign up for.
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