Vault Flow - Money Tracker

VaultFlow shows your complete financial picture — cash, investments, property, and debt — in one calm, private app. See your net worth at a glance, watch it grow, and always know what's coming up.

YOUR NET WORTH, AT A GLANCE
• One big, clear number, plus a chart you can scrub from one month to all time
• Milestones and streaks that make progress feel real
• Home Screen widgets for net worth, daily spending, upcoming bills, and your portfolio

SIMPLE, EVERYDAY MONEY
• Chequing, Savings, and Credit Card — that's it, no clutter
• Log spending and income in seconds; move money between accounts
• Monthly budgets that show your pace, and recurring bills that never surprise you
• A safe-to-spend number for the rest of the month

INVESTMENTS WITH LIVE PRICES
• Stocks, ETFs, and crypto, valued with live market prices in your currency
• Allocation breakdown, today's movers, and gains versus what you paid
• A tracker only — VaultFlow never buys, sells, or holds anything

PROPERTY, MORTGAGE & DEBT
• Track your home's value, equity, mortgage balance, and monthly costs
• See every loan and card in one place, with what the interest is costing you
• A debt-free planner (avalanche or snowball) that shows your payoff date and interest saved

REPORTS & FORECAST
• Spending by category, income trends, net worth history, and portfolio performance
• A 12-month net worth forecast and month-end cash-flow projection
• Financial goals with progress rings

MADE FOR YOU
• 28 currencies with live exchange rates and a built-in converter
• Light and dark mode, Face ID lock, and a one-tap Privacy Mode that hides amounts
• Ask Siri "What's my net worth?", or log an expense from Shortcuts and Spotlight

PRIVATE BY DESIGN
Your data lives on your device. VaultFlow runs no servers and never sees your finances. No account or bank login is required — start in about a minute with the guided setup. Sign in with Apple is optional and only used for iCloud backup across your own devices.

VaultFlow is completely free. No subscriptions, no in-app purchases, no ads.