Vault
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01 Track 02 Budget 03 See

A free budgeting app
that respects your privacy.

Log what you spend, set plain monthly budgets, and read the whole month like a spreadsheet that's actually worth reading. No bank logins. No ads. No noise.

Start tracking free See the live demo →
FREE FOREVER  ·  NO BANK SYNC  ·  EXPORT ANYTIME
No bank credentials, ever
Your data is yours to export
A free budgeting app — no ads, no upsells
What Vault does

Everything you need. Nothing you don't.

01

Track every transaction

Add what you spend in seconds. Vault remembers your categories so logging a coffee or rent takes one tap.

02

Set monthly budgets

Give each category a number. Vault shows what's left at a glance and flags the moment you tip over.

03

See where it goes

Clear breakdowns and month-over-month trends. The picture you wish your banking app gave you.

Budgets

Budgets that hold the line.

Set it once. Vault tracks every category against its limit and turns red the instant you go over — no math, no spreadsheets, no surprises at month's end.

✓ On-track, almost, and over — at a glance ✓ Rolls into a fresh month automatically
Budgets — May1 over
Dining$288 / $280
Housing$1,400 / $1,400
Misc$247 / $250
Utilities$189 / $220
Net saved — last 6 months
Reports

See where it actually goes.

Every month rolls up into honest breakdowns and trends. Watch your savings rate climb, spot the category that crept up, and adjust before next month — not after.

Private by default

Locked. And the key is yours.

Vault has no bank integrations by design. Nothing to phish, no credentials to leak, no broker reselling your habits. Your records stay yours — and leave as a CSV whenever you want.

✓ No bank logins or screen-scraping ✓ No third-party trackers or ad SDKs ✓ Export everything, anytime
Why Vault

Made to be mindful, not automated.

VaultBank-sync apps
Bank connectionNot neededCredentials required
Who sees your dataOnly youShared with brokers
Business modelFree, no adsAds & upsells
How you log spendMindful, manualAuto-import noise
PriceFree forever$8–15 / month
Your data leavingCSV anytimeOften locked in
FAQ

Questions, answered.

Is Vault really free?

Yes — every feature, no trial, no card. Vault stays free because it never sells your data or shows ads. If we ever add a paid tier, the core tracker remains free for good.

Do I have to connect my bank?

Never. Vault has no bank integrations by design. You add what you spend, which keeps your credentials private and — quietly — makes you notice where the money actually goes.

Where is my data stored?

On your account, encrypted, and yours to export as CSV at any time. No third-party trackers, no data brokers, no resale. Ever.

Won’t manual entry take forever?

Most people spend under two minutes a day. Quick-add remembers your categories, and recurring items can be duplicated in a tap.

Can I use it with a partner?

Shared budgets are on the way. For now, many couples keep one Vault for the household and split it into categories they both can see.

What happens at the end of the month?

Vault rolls into a fresh month automatically and keeps your full history, so you can line any two months up side by side in Reports. Read the full user guide to see what each feature does.

Is Vault a free budgeting app?

Yes. Vault is a free budgeting app — a manual budget tracker you use in the browser. Every feature is included: transactions, monthly budgets, bills, savings goals, reports, and CSV export. No trial, no card, no ads.

What makes Vault different from other free budgeting apps?

Most free budgeting apps make money from your data — ads, affiliate offers, or selling “anonymized” transaction history. Vault doesn’t connect to your bank at all and doesn’t sell anything, including your data. You enter what you spend, and that stays between you and your budget. See how the alternatives stack up in our roundup of free budgeting apps that don’t sell your data.

Start tracking in two minutes.

No bank login, no card, no setup wizard. Open Vault, set a budget, and watch the month make sense.

Register FREE FOREVER · NO ADS