A calm, focused way to understand your net worth, your spending, and your future — built for people who want to see clearly without handing their data to anyone.
Privacy
Vault runs entirely in your browser. Nothing is sent to a server. No account to create, no sync you didn't ask for, no analytics on your spending. When you close the tab, your data is still on your machine — and only on your machine.
Features
Four tools, each designed to do one thing well, working together to give you a single clear picture.
Every account, every asset, every liability — in one place. See what you own, what you owe, and how that number is moving over time.
Understand where your money actually goes. Categorise transactions, spot patterns, and stop being surprised by the end of the month.
Project forward. Model what your savings, investments, and property could look like in five, ten, twenty years — with assumptions you can adjust.
Know what you'll owe before HMRC does. Estimate your income tax, dividend tax, capital gains, and ISA headroom in plain English.
Get started
No sign-up, no onboarding flow, no credit card. You open Vault and you start.
Launch it in your browser. There's nothing to install and nothing to create — your session begins the moment the page loads.
Bank accounts, ISAs, pensions, property, loans. Enter the balances once. It takes a few minutes, and then it's done.
Your net worth, your spending, your plan, your tax — all live, all in one view. Come back whenever you want to update it.
Built for the UK
Most finance apps are built for somewhere else. Vault is built for here — with the rules, allowances, and accounts that actually matter to your money.
Pricing
Vault is free today. Vault will be free tomorrow. If it ever changes, the version you have will keep working — no subscriptions, no expiring access, no ads, no upsell. The tools you need to understand your own money should not sit behind a paywall.
I built Vault because I wanted a tool that did what I needed — and I couldn't find one. Every finance app I tried either asked for my bank login, sold my data, locked the useful features behind a subscription, or was built for somewhere that wasn't the UK.
So I made something quiet. Something that lives on your device, that shows you what you have and where it's going, and that doesn't try to be anything else. If it's useful to you too, that's the whole point.
— Jonty, builder of Vault.
An occasional note from me about money, building Vault, and what's coming next. No spam. One email when there's something worth saying.
Found a bug, have an idea, or just want to say hello? I read everything that comes in.