Vault: Subscription Manager

Take control of your money with Vault Finance, the AI-powered personal finance app designed to help you budget smarter, pay off debt faster, and build real savings, all with on-device intelligence.

AI FINANCIAL COACH
Ask anything about your finances and get personalized advice instantly. Vault's AI coach works with everything you've entered in the app - accounts, debts, subscriptions, goals, spending, income, and investments - to give you real, tailored answers. The more you use it, the smarter it gets. Powered by Apple Intelligence, everything stays on your device.

AI-POWERED BUDGET
Set up your income (weekly or monthly), and Vault creates a personalized budget split across Needs, Personal, and Savings. AI analyzes your spending patterns and suggests optimal budget adjustments. Track every expense by category with smart AI category suggestions as you type.

TRACK ALL YOUR ACCOUNTS
Add checking accounts, savings accounts, and credit cards in one place. Monitor balances, track credit utilization, and see your full financial picture at a glance.

AI DEBT STRATEGY
Choose between the Snowball or Avalanche method to eliminate debt. AI recommends which strategy works best for your situation and which debt to attack first. The Debt Payoff Calculator shows exactly when you'll be debt-free.

SAVINGS GOALS WITH AI ADVICE
Create savings goals and get AI-powered advice on realistic timelines and weekly savings amounts based on your actual budget capacity.

INVESTMENT PORTFOLIO
Track stocks, ETFs, crypto, and savings accounts with live price updates. See your gains, losses, and portfolio allocation in real time.

AI PURCHASE ADVISOR
Wondering "Should I buy this?" Enter the price and AI gives you a complete financial report, analyzing the real impact on your budget, debts, and savings goals to tell you if you can really afford it.

260 FINANCIAL LESSONS
Level up your money skills with Vault Academy, a structured 52-week curriculum covering budgeting, investing, debt management, and more. Earn streaks, unlock levels, and actually learn how money works.

SMART NOTIFICATIONS
Get spending alerts, bill reminders, celebration milestones, and weekly summaries that keep you informed without being annoying.

EXPORT YOUR DATA
Download your financial data as CSV or PDF whenever you need it.

PRIVACY FIRST, AI ON DEVICE
All AI runs on your device using Apple Intelligence. Your financial data never leaves your phone. Protect access with Face ID or a PIN code. No third-party tracking, no ads, ever.

FREE FEATURES
Full budget tracking and expense management
Up to 2 accounts and 6 recurring bills
2 weeks of Vault Academy (Levels 1 and 2)
1 savings goal
Investment portfolio tracking

VAULT PRO UNLOCKS
AI Financial Coach, chat with your personal advisor
AI that learns your financial habits
AI budget advice, debt strategies, and spending insights
AI Purchase Advisor with full financial reports
Unlimited accounts and recurring bills
Unlimited savings goals
Full Vault Academy (260 lessons, all 10 levels)
Spending Insights and Budget Forecast
Net Worth Tracker
Debt Payoff Calculator (Snowball & Avalanche)
Smart Notifications with bill reminders
CSV and PDF export
Siri Shortcuts

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://vltfinance.app/privacy.html