Vault
Your Financial Overview
Everything in one place. Your data stays on this device only.
End-to-end private — stored on this device, never on a server
01
Net Worth
Know exactly what you're worth today and tomorrow. Track every account, asset, and investment in one place.
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02
Spending
Log income and transactions. See exactly where your money goes — and how much you have left this month.
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03
Financial Plan
See your FIRE date, build a budget, and model big decisions — like what happens if you invest an extra £200/month.
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04
Tax Planning UK
Don't pay more Capital Gains Tax than you have to. Track your gains and know your position before the deadline.
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Net Worth
Total Net Worth
£0
1M 3M 6M YTD 1Y All
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All
Current
Savings
Investments
Crypto
Credit
Loans
Pension
Property
Your accounts
Spending
All
Personal
Joint
Your share
100% · Full
50% · My half
Showing all accounts
Contributions
£0 ›
Total Spend
£0
All
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Income This Month
£0
+ Add Income
Remaining
£0
Daily Allowance
—
Log a transaction Amount · category · date
£
This transaction will log automatically each month.
↻ Saved and set to repeat monthly
This month
Financial Plan
Calculators
FIRE & Salary

Two calculators to help you understand where you stand and where you're headed. The FIRE Calculator shows how long until your savings can replace your salary — enter your numbers and let it project your financial independence date. The Salary Calculator breaks down your take-home pay after UK tax, National Insurance, and pension contributions.

£
£
£
ⓘReflects current high street savings accounts and cash ISAs. Choose this if your money stays in savings rather than being invested in the stock market. Lower risk, lower reward.
Cash / Savings
4%
High street savings & cash ISAs
ⓘReflects a cautious investment portfolio weighted toward bonds and stable assets. Suitable if you are close to retirement or have a low appetite for risk.
Conservative
6%
Cautious portfolio, bonds-weighted
ⓘClose to the long term historical average of a globally diversified index fund portfolio. A reasonable assumption for most people investing in stocks and shares over 10 or more years.
Moderate
8%
Balanced index fund, historical avg
ⓘReflects a high equity, growth-focused portfolio. Achievable over long periods with a globally diversified all-equity strategy but comes with significant short term volatility. Only suitable for very long time horizons.
Aggressive
11%
High equity, global stocks, long horizon
This affects how fast your savings grow on the way to your FIRE number. Your withdrawal rate is set separately above.
Cautious
I want my money to last indefinitely, even in bad markets.
Balanced
The classic FIRE approach, proven over most 30+ year retirement periods.
Flexible
I am comfortable adjusting my spending if markets underperform.
Fill in your numbers above — Vault will calculate your FIRE number and project your freedom date in real time.
You need
£—
to retire
Freedom date
—
—
Lean FIRE
Covers essentials only
—
—
Your FIRE
Your chosen lifestyle
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—
Fat FIRE
Comfortable with extras
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What if…
Budget Planner
Build a monthly budget using proven frameworks — 50/30/20, zero-based, or custom. Create as many plans as you like and compare them.
My Plans
Financial Storyteller
Pick a scenario, fill in your numbers, see what happens.

Model what different financial decisions could mean for you in real numbers. Pick a scenario below, fill in your figures, and see the outcome. From compound investing to paying off debt to buying a house — the numbers often surprise people. Save any scenario to come back to it later.

Quick Tools
Fast mental-maths helpers for everyday money decisions

Two lightweight calculators for quick decisions. Use Cost Per Use to reframe a purchase price as a cost per use — it changes how expensive something actually feels. Use Savings Goal to find out how many months it will take to save for something specific, with or without interest.

Cost Per Use
Reframe one-time costs as long-term value
Item cost
£
Target/use
£
Uses/month
Enter cost & target per use
Savings Goal
How long will it take?
Goal
Target
£
Monthly
£
Saved so far
£
Growth rate
%
Enter a target & monthly amount
Entry
Edit Entry
Value (£)
Date
Settings
Theme
Light
Dark
Midnight
Display Currency
All totals and summaries display in this currency. Individual accounts can use a different currency and will be converted automatically.
Exchange Rate Checker
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ISA Allowance Tracker
Track how much of your annual £20,000 ISA allowance you have used. Enter the total you have deposited into ISAs this tax year (6 April – 5 April).
Deposited this tax year
£
Tips & discovery
Show a tip when I open Vault
A new tip every time you load the app. You won't see the same one twice until you've seen them all.
Data & Backup
Vault stores everything on this device only — nothing is sent to a server and no one else can access your data. Export a backup regularly so you don't lose it if your browser data is cleared or you switch devices.
Holding
🗑
Delete entry?
✎ Edit Transaction
Tax Planning
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Crypto
SUI mainnet
About this section

Crypto, alongside the rest of your money

Track on-chain balances and activity in the same place as your bank accounts, savings, and investments. Wallet values flow into your Net Worth, swaps and payments appear as spending in your normal categories, and staking income is logged so you have a record for tax.

Work in progress SUI is supported today. More chains and automatic categorisation are coming.
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Account
Category
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