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Vol. I · No. 01Melbourne EditionPersonal Finance · iOSFeatured on Product Hunt · April 2026

Vault Finance

Private by architecture✦ · ✦Local-first · Since 2024
The Inaugural Issue

Your money.
Your device.
No one else.A private vault for everything you own

Budget, investments, and net worth in one private app — encrypted on your iPhone with AES-256, and synced to no one. No account. No cloud. No tracking.

Download on the App StoreUpvote on Product Hunt ↗
¹AES-256Hardware-accelerated, on-device encryption. Always on.
²Zero serversNo signup, no cloud, nothing to breach. Literally.
³10 currenciesAUD · USD · CNY · EUR · GBP · JPY · NZD · HKD · SGD · CAD
⁴Australian banksANZ · CBA · NAB · Westpac · ING — CSV in, nothing out.
VAULT
APR · 2026
Overview
TOTAL NET WORTH
$247,580.00
↗ +$5,420 · +2.2%
JANFEBMARAPR
ASSETS4 ACCOUNTS
Cash
EVERYDAY + SAVINGS
$42,300
17%
Investments
3 BROKERAGES
$138,250
56%
Property
PRIMARY HOME
$82,500
33%
Fig. 01 —The Overview Tab·April 2026
On-device · Encrypted · Seen by no one
$247,580.00

The figure above was computed entirely on the device it lives on — no request left the phone, no record was written to any server. This is the point.

i.Three tabs · One ledger

Everything Mint wanted to be, without the cloud.

Budget. Invest. Net worth. Three tabs, one clear view of your financial life — computed entirely on-device, in real time.

01.Budget · The Household Ledger

Spending, without surveillance.

A budget that lives on your device — so the only person reviewing your habits is you. Vault reads your statements locally, categorizes them locally, and pacing forecasts refresh the moment a transaction is logged.

  • Up to 10 categories free.  Unlimited on Pro. Rename, reorder, archive — your taxonomy, not ours.
  • CSV import  tuned for ANZ, CBA, NAB, Westpac, and ING. Drop in a statement; nothing is sent upstream.
  • Pacing and forecasts  recalculated on-device. Know you’re $3.32 under per day before the month ends.
VAULT
‹ APR · 2026 ›
Budget
REMAINING68% USED
$640.00
$1,360 SPENT$2,000 LIMIT
13 DAYS LEFT · PACING $3.32 UNDER/DAY
Dining
14 TRANSACTIONS
$420/500
Transport
8 TRANSACTIONS
$210/300
Shopping
6 TRANSACTIONS
$380/400
Health
2 TRANSACTIONS
$95/200
Fig. 02 —Category pacing, live
02.Invest · The Standing Portfolio

A portfolio view, without the pitch.

Track stocks, ETFs, funds, bonds, and crypto across markets — with live prices and none of the noise. No broker affiliations. No sponsored tickers. Quotes come in anonymously; your holdings never leave.

  • Multi-market, multi-currency.  A single view across AUD, USD, CNY, and seven others. RBA-sourced FX.
  • Live quotes, anonymously.  Yahoo Finance and CoinGecko. No account binding, no identifier in the request.
  • Cost basis & returns  computed locally: unrealized P&L, time-weighted performance, honest daily deltas.
VAULT
LIVE
Invest
PORTFOLIOAUD
$138,250.49
↗ +$2,410 · +1.8% today
1D
1W
1M
3M
1Y
ALL
HOLDINGS
AAPL
Apple Inc.
24 SH
$4,820
+1.2%
VOO
Vanguard S&P 500
18 SH
$8,140
+0.8%
BTC
Bitcoin
0.14 BTC
$9,240
+3.4%
Fig. 03 —Holdings, the silent view
03.Net Worth · The Standing Figure

The number you actually care about.

A single, confident figure that ties every account, holding, and liability together — updated silently as your day goes on. The headline number you want; the detail you need; none of the noise you don’t.

  • One hero number.  Everything you own, minus everything you owe, refreshed locally in real time.
  • Composition at a glance.  Cash, invested, property — a single bar tells you who you are financially this quarter.
  • Your history, yours only.  Month-over-month trend, stored on-device. No analytics pipeline anywhere.
VAULT
ALL TIME
Net Worth
AS OF TODAY
$247,580.00
↗ +$42,180past 12 months
2022202320242025NOW
COMPOSITION
CASH · 17%
INVESTED · 56%
PROPERTY · 27%
Fig. 04 —Twelve-month trend
If you’ve ever closed a cloud-based finance app and thought there has to be a private way — this is it.
— The Vault Team · Melbourne
ii.A note on privacy

Private by architecture. Not by policy.

We didn’t add privacy as a policy. We removed the parts that make privacy negotiable. There are no user accounts, no servers, and no analytics pipeline. Your financial life is encrypted on your device with AES-256 and never leaves it — not for sync, not for backup, not for “improving the product.”

What you log, Vault computes. What Vault computes, stays. Delete the app and your ledger is gone. That isn’t a footnote — it’s the architecture.

— Written on-device. Sealed locally. Signed for you, only.The Vault Team · Melbourne · Est. 2024
¶ 01

No account required.

Nothing to sign up for. Nothing to leak. Install and start — your ledger begins the moment you open the app.

¶ 02

No servers. At all.

We literally cannot see your data, because there is nowhere for it to go. The only network calls are anonymous quote and FX lookups.

¶ 03

Deletion is final.

Remove the app and your financial history is gone — the way deletion should work. Export first if you want a copy.

iii.Fee schedule · Pricing · All amounts in USD

Pay once. Or not at all.

Start free with 10 categories and 2 accounts. Upgrade when you’re ready — or buy it once and keep it for life. Prices shown in US Dollars

01

Monthly

Start · Cancel anytime
Unlimited categories & accounts. Investment & net-worth tracking. CSV import. Receipt scanner. Monthly reports.
$2.99USD
Per month
Pick this
02

Lifetime

Buy once · Own forever
Every Pro feature, forever. All future updates included. No renewals, no price creep. The way software used to be sold.
$59.99USD
One payment
03

Yearly

Save 30% vs monthly
Unlimited categories & accounts. Investment & net-worth tracking. CSV import. Receipt scanner. Monthly reports.
$24.99USD
Per year

Hunters — the Lifetime unlock is the honest deal. Buy it once, own it quietly.

Buy Lifetime — $59.99 USD
iv.Frequently asked · before installing

Answers, in plain English.

The things people ask before they install a finance app — and our honest answers.

No. Not to us, not to a backup service, not to an analytics provider. Every transaction, holding, and balance is stored on your device and encrypted with AES-256. We don't operate servers that could receive it.
Yes — almost entirely. The app is fully functional without a connection. The only time it reaches out is to fetch live market prices and exchange rates, and those requests carry no account or identifier.
Budgets across categories, transactions, investment holdings, cash accounts, property, superannuation, and liabilities — and the net worth figure they all roll up to. One app for the three questions you actually ask about your money.
Stocks, ETFs, managed funds, bonds, and cryptocurrencies across major markets. Ten currencies including AUD, USD, CNY, EUR, GBP, JPY, NZD, HKD, SGD, and CAD — with RBA-sourced exchange rates.
Yes. CSV import is tuned for ANZ, CBA, NAB, Westpac, and ING out of the box. Drop in a statement and your transactions are categorized locally — nothing is sent upstream.
More questions? Visit VAULT SUPPORT or read the PRIVACY POLICY.
✦ · ✦ · ✦

Take your finances off the cloud.

Download once. Own it forever. Your money stays where it belongs — on your phone, in your hands, and in no one else’s database.

Download on the App StoreSupport us on Product Hunt ↗
— Built privately, in Melbourne. For you, only.The Vault Team · April 2026
Vault Finance for iOS
✦ · ✦
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