Track every transaction
Add income and expenses in seconds. Categorize them however you like.
Free
No bank login · No credit card
Know where your money goes.
Vault is a simple, manual budget tracker. Add your income and expenses, set budgets, see your spending. No bank logins. No ads. No tricks.
No credit card. No bank login. No ads. Takes 2 minutes to set up.
May overview
May 2026 ▾
Income
$4,820
▲ 3.2% vs Apr
Expenses
$3,142
▼ 1.4% vs Apr
Saved
$1,678
35% of income
By category ···
$3,142
spent
Food$1,194
Housing$754
Transport$566
Fun$377
Other$251
Recent transactions ···
−$18.40
+$2,410.00
−$40.00
−$72.15
−$14.50
Your data is yours
Free to use
No bank credentials
Features
Everything you need. Nothing you don't.
Set monthly budgets
Plan how much you'll spend per category. Color-coded progress bars show what's safe.
See your money clearly
Monthly summaries, category breakdowns, and year-over-year trends.
A closer look at Vault
🍜Food
$1,194 of $1,000 Over
🏠Housing
$754 of $900 On track
🚇Transport
$566 of $700 Getting tight
🎬Fun
$377 of $500 On track
⚡Bills
$251 of $400 On track
Budgets that actually help
Color-coded progress bars tell you what's safe to spend, what's getting tight, and what's already over.
See where your money really goes
Charts and trends turn months of transactions into clear stories about your habits.
Net saved · last 6 months
$8,420
Income
Expenses
Food$1,194
Housing$754
Transport$566
Fun$377
Why Vault
A different kind of budget app
Most bank-sync apps want your credentials and a subscription. Vault just helps you track your money manually — privately, on your own terms.
Vault
- Free, no card required
- No bank login
- You own your data
- Simple to use
Typical bank-sync apps
- Often gated behind a paid subscription
- Require bank credentials via Plaid or similar
- Auto-track behavior for insights and upsells
- Bundle extras beyond simple budgeting
FAQ
Common questions
Is Vault really free?
Yes. Vault is free to use — no subscription, no premium tier, and no credit card required to sign up or use any feature.
Do I have to link my bank account?
No. Vault never asks for bank credentials. You add income and expenses manually, like a digital ledger — that's the whole point.
Where is my data stored?
Your transactions are stored privately in your Vault account. Only you can see them after signing in. There are no third-party ad trackers on the site, and your data isn't sold.
What currencies does Vault support?
Vault supports CAD, USD, AUD, PHP, EUR, GBP, JPY, and several others. You set your default currency in Settings after signing in.
Can I export my transactions?
Yes. From the Transactions page you can download a CSV of every transaction you've recorded — yours to keep, even if you stop using Vault.
Does Vault work on phones?
Yes. The site is responsive and works in any modern browser. You can also install Vault as a Progressive Web App on iOS or Android — it adds a home-screen icon and runs full-screen, no app-store account needed.
Why no bank sync?
Bank sync requires storing aggregator credentials (Plaid or similar), which means a third party can see your transactions. Manual entry trades a few seconds of typing for keeping that data inside your own account.
How is Vault different from a spreadsheet?
A spreadsheet is excellent if you like to maintain everything by hand. Vault adds: automatic budget progress with color-coded bars, recurring bill reminders, monthly summaries with charts, savings goals with monthly contribution targets, and CSV export so you're never locked in. Read the full user guide for what each feature does.