VaultaWhat’s yours to spend, today.
Vaulta reads your budgets, bills and goals and turns them into one honest number: what you can spend today without breaking a promise you already made. 💸
A balance is a fact. Safe to spend is an answer.
Your bank says $3,400. But rent is due in six days and you have promised $300 to a trip. Vaulta subtracts what is already spoken for and divides what is left by the days to go.
Read the longer version: Safe to spend, a better question than “what’s my budget?” 🧮
Sample figures to show the arithmetic. The app shows its own breakdown of your numbers.
Five things, done carefully.
💸 Safe to spend
One number for today, with the working shown underneath: what is liquid, what bills are still to come, and what is reserved for goals.
- 🧮The breakdown is always visible, never a black box.
- 📍Updates as you add transactions.
🧾 Receipts, read
Photograph a receipt and Vaulta reads it into an itemised transaction. You check it before it is saved. A Pro and Premium feature.
- 📸Line items, merchant and total from one photo.
- 🔐Only the photo you choose to scan is sent, to Google Gemini.
📅 Bills and forecast
See what is coming and where the month is heading. The forecast gives a range, and says plainly that a projection is not a promise.
- 🔁Bill and subscription radar, recurring detection (Pro).
- 📈Cash-flow forecast month by month.
📈 Net worth
Everything you own minus everything you owe, as recorded each day, with the direction over time rather than daily noise.
- 🌱Manual accounts work in any country.
- 🏦Optional read-only bank linking in eight countries.
📲 Widgets, Lock Screen and Siri
Your number without opening the app. Home Screen and Lock Screen widgets, a Live Activity, Siri shortcuts and Control Center controls.
- 🔒Face ID unlock.
- 🔔Local reminders for bills and budgets.
What Vaulta does not do. 🙅
A finance app that overclaims is worse than none. So here is the plain list.
No live market data
Prices shown are simulated and labelled as simulated. Vaulta is not a source of quotes and gives no investment advice.
No brokerage, crypto or UPI links
Holdings and payment-app balances are things you log by hand. Vaulta does not connect to them and cannot trade.
Bank linking in 8 countries
Germany, Spain, Singapore, Australia, India, the UAE, Mexico and Brazil, through Salt Edge. Read-only; you sign in on your bank’s page. Elsewhere, manual.
Only in Pro and Premium
The advisor sees a summary of your numbers, and scanned photos go to Google Gemini. Never account numbers, institution names, your name or email.
It cannot move money
Vaulta reads. It does not send, transfer or spend. There is no “pay” button to misuse.
Held on your device
With the passcode on, encrypted at rest with AES-256-GCM. Forget the passcode and we cannot recover it.
Free, Pro, Premium. Real numbers. 🎯
Manual tracking is free and stays that way. The two things that cost real money per use, AI and bank aggregation, live in the paid plans. Pro includes a 7-day free trial.
Track your money by hand.
- Unlimited manual accounts and transactions
- 3 budgets, 1 goal
- Spending and net worth reports
- CSV import, backups and undo
- Year in review, IOUs and bill splitting
or $82.99 a year (about 14% off)
- Everything in Free
- AI advisor, 200 messages a month
- AI reading of receipts and product photos, 50 of each a month
- Bank linking where available, up to 3 accounts
- Unlimited budgets and goals
- Bill and subscription radar, cash-flow forecast
- Tax and retirement tools
or $214.99 a year (about 10% off). No trial.
- Everything in Pro
- AI advisor, 500 messages a month
- 150 receipt and 150 product photo reads a month
- Up to 8 linked accounts
- Business expense tagging
- Priority support
Prices in US dollars; the App Store shows your local price at purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends. Full comparison →
Abhishek Sivaraman
Founder
We build Vaulta in the open about its limits, and we would rather say “manual” than pretend. How we work →
Latest from the desk. ☕
🧾 Receipts, warranties and records: what to keep, and for how long
You do not need a shoebox of paper. You need a small, sensible habit that protects you when something breaks, gets audited or needs to be returned.
🌱 A gentle introduction to index funds and compounding
An education piece, not a recommendation: what index funds are, why people use them, and what compounding really does with time. With illustrative arithmetic only.
☕ The true cost of small daily spends: honest arithmetic
The 'latte factor' is half true. Small purchases do add up, but they are rarely what stands between you and your goals. Here is the sober version.
Asked plainly.
Is Vaulta on the App Store yet?
Not yet. It is coming to the App Store, and we will not link to a store page until one exists. The pages here describe what is in version 1.0; see the changelog.
Does Vaulta connect to my bank?
Only in eight countries: Germany, Spain, Singapore, Australia, India, the UAE, Mexico and Brazil, through Salt Edge. You sign in on your bank’s own page, Vaulta never sees your banking password, and the connection is read-only. Everywhere else you add accounts and transactions by hand, which works fully on the Free plan.
Can Vaulta move my money?
No. Connections are read-only. Vaulta cannot send, transfer or spend money.
Are the market prices live?
No. Any market data shown is simulated and labelled as simulated. Vaulta does not connect to brokerages or crypto exchanges and does not execute trades. Holdings are a manual record.
What does the AI see?
AI is only in Pro and Premium. The advisor receives a summary of your numbers (totals, category splits, and merchant names with long digit runs removed; names you typed yourself for goals, bills or merchants may appear). Photos you choose to scan are sent to Google Gemini to be read. Gemini does not receive account numbers, institution names, your name or your email.
How does the free trial work?
New Pro subscribers get a 7-day free trial through the App Store. Cancel at least 24 hours before it ends and you are not charged. Premium has no trial. You manage and cancel in your Apple Account settings.
Where is my data stored?
Your financial data is held on your device. With the app passcode on, it is encrypted at rest with AES-256-GCM using a key derived from your passcode; we cannot recover it if you forget it.
Money, made readable.
Vaulta is coming to the App Store. Until then, read the journal, or ask us anything. 🌱