A quiet place to see your money.

Most finance apps make the choice for you — they hold your data on their servers and ask you to trust them. Vault doesn't. You pick how it's stored, and either way nobody but you can read it.

Most finance apps monetise by either selling your transaction data to third parties, locking the genuinely useful features behind a subscription, or nudging you towards partner products that pay them referral commissions. Every one of those incentives points away from your actual financial wellbeing.

Vault is free because it is designed to be free. There is no server holding your data — so there is nothing to sell. There is no paid tier — so there is no feature held hostage to push you into a subscription. There are no referral partners — so no one is paying Vault to funnel you anywhere.

The thing you get for nothing is the thing itself: a clear, private view of your financial life.

The gap between people who are good with money and people who are not is mostly a gap in access — to advice, to tools, to the simple frameworks that a financially literate adult takes for granted. That gap is intergenerational. It is unfair. And it is completely fixable with good software.

Vault is a first step. A free, private tool that anyone can pick up and use to see their full financial picture, model their future, and stop being surprised by money. The goal is not to become another finance app. The goal is to be the one that gets this right — and, over time, to make it useful in enough countries and for enough situations that it becomes the obvious place to start.

That is going to take help. Which brings us to the next section.

Add your accounts under Net Worth. Log your spending and income under Spending. Use Planning to model the big decisions — buying a house, cutting expenses, retiring early. Use Tax to understand your CGT position before you sell anything. Use Crypto to bring your on-chain balances into the same picture.

The first time you open Vault, the welcome tour will walk you through the core flow end to end. You can restart it any time from the button below.

Good personal finance comes from a small set of ideas that compound over decades. Vault is built around these rather than around vanity metrics.

Building the next layer of Vault — encryption, real accounts, open banking — is expensive work. I want to do it if Vault turns out to be something people actually use and recommend. Right now, the beta is the test. The things below get built when enough people have tried Vault, kept using it, and told friends about it.

There is a long roadmap above, but the honest truth is that none of it happens without real users telling us what works, what is broken, and what they wish Vault did. If you like what you see, the single most useful thing you can do is use it for a month, then tell us what you hit.

Bugs, confusing copy, missing features, things that felt good, things that felt bad — all of it goes to the form below and I read every one personally.

Vault has no marketing budget and no ad spend. Every new user shows up because an existing user said "you might like this" to a friend. If you can do that — one message, one link — it is genuinely the thing that keeps the project alive.