# BudgetVault - Smart Budgeting — No bank login. One-time price. > No bank login. One-time price. (iPhone/iPad app by ZACHARY CANCIANO GOLD.) - Source: https://appshunter.io/ios/app/budgetvault-smart-budgeting/id6760205012 (this page in markdown: same URL + `.md`) - Developer: [ZACHARY CANCIANO GOLD](https://appshunter.io/developer/1875956705) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.0 · 8 MB - Languages: American English - Released: 2026-03-13 - Data updated: 2026-08-27 - User reviews in markdown: https://appshunter.io/ios/app/budgetvault-smart-budgeting/id6760205012/reviews.md ## What is BudgetVault? BudgetVault is a privacy-first envelope budgeting app that keeps your financial data on your device. No accounts. No cloud servers. No subscriptions. Just you and your money. ENVELOPE BUDGETING MADE SIMPLE Allocate your income into categories and track every dollar with visual envelope cards. See exactly where your money goes with color-coded spending health indicators. LIGHTNING-FAST EXPENSE ENTRY Log expenses in seconds with a custom number pad. Build consistency with daily streaks and milestone achievements. ON-DEVICE ML INSIGHTS (Premium) Real machine learning running entirely on your device. Spending predictions, anomaly detection, pattern classification, and category forecasts — powered by statistical models, not cloud APIs. CHARTS & HISTORY Beautiful charts show spending trends, category breakdowns, heatmaps, and month-over-month comparisons. Search and filter your full transaction history. DEBT & NET WORTH TRACKING (Premium) Track credit cards, loans, and student debt with payment history. Monitor your net worth with asset and liability snapshots over time. PRIVACY BY DESIGN Zero-knowledge architecture. No analytics SDKs. No tracking. No accounts to create. Your financial data stays on your iPhone and nowhere else. Optional iCloud sync goes only to your personal iCloud account. FREE FEATURES - Envelope budgeting with 4 categories - Quick transaction entry with number pad - Daily streak tracking with achievements - Basic spending charts - 30-day CSV export - 3 recurring expenses - Biometric lock (Face ID / Touch ID) - Budget templates PREMIUM (one-time $9.99) - Unlimited categories & recurring expenses - ML spending predictions & anomaly detection - Full CSV import/export (YNAB compatible) - Historical charts & spending heatmaps - Debt tracking & net worth dashboard - Streak freeze (1 per week) - Theme customization - Family Sharing included Pay once. Use forever. No trials, no recurring charges. ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | BudgetVault Premium | $14.99 | one-time | | Leave a Tip | $2.99 | one-time | ## Version history (last 5 releases) ### 3.3.1 — 2026-05-02 Bug fixes. ### 3.3 — 2026-04-26 BudgetVault has been rebuilt from the ground up. THE VAULT Navy + titanium + electric-blue redesign across the entire app. A mechanical flip-digit display for your amounts. A vault dial on Home that pulses green, amber, or red with your spending status. Settings reimagined as chamber panels with role-colored tile icons. NEW FEATURES • Monthly Wrapped — a five-slide Spotify-style recap at the end of every budget period. • Daily loop — log streaks, one-tap "no spending today," streak freezes for missed days, and an evening Close-Vault reminder. • Live Activity on your lock screen + a richer home-screen widget. • Debt tracker with snowball + avalanche payoff modeling (Premium). • Smart Spending Forecast — on-device ML predicts your end-of-month spend and flags categories trending over budget. • Recurring expenses that auto-post on their due date — rent, subscriptions, bills — and flag themselves when a category is renamed so nothing goes silently missed. PRIVACY-FIRST, STILL Everything stays on your device. No bank login, ever. The widget and notification banners automatically redact category names and dollar amounts when Biometric Lock is on — a locked phone reveals nothing. BETTER EXPORT Your data now exports as a complete GDPR-ready portability file: transactions, budgets, categories, recurring rules, and debt accounts. POLISH Completely rebuilt onboarding with a vault-unlocking ceremony and a Back button on every step. Accessibility upgrades across the board — contrast, VoiceOver labels, hit targets, Dynamic Type. Dozens of performance improvements. PRICING Premium is still a one-time purchase. Custom colors and streak freezes are now free for everyone. ### 3.2.1 — 2026-04-10 v3.2.1 — Quality & Accessibility • Improved accessibility throughout — VoiceOver support, Dynamic Type scaling, 44pt tap targets • No-spend day button redesigned with clearer glass style and text label • Dark mode fixes — text visibility improvements across History and Paywall • All save operations now properly roll back on failure • Brand consistency — unified color system across all screens and widget • Performance improvements to dashboard rendering • Bug fixes and polish ### 3.2 — 2026-04-09 v3.2 — The Daily Loop • Close today's vault with a single tap — never break your streak • Lock Screen Live Activity for at-a-glance daily allowance • Control Center control for instant expense logging (iOS 18) • Weekly Pulse now compares this week to last • Transaction reconciliation: swipe to mark reviewed • In-app feedback — stored on your device, only sent if you choose • Face ID lock on by default (privacy-first) • 50+ polish fixes across the whole app Still $14.99. Still once. Still on your device. ### 3.1 — 2026-04-07 What's New in v3.1: • Launch pricing countdown — see exactly how long the introductory $9.99 price lasts • Celebration effects — confetti on milestones, streak celebrations, and under-budget wins • Streak visibility — prominent streak badge, weekly progress dots, and freeze indicators • Buffer days — see how many extra days your budget could last at your current pace • Improved transaction entry — branded header with live budget context as you log • Smarter widgets — daily allowance and streak count at a glance • Monthly Wrapped — now accessible to all users from the home screen • Better re-engagement — gentle nudges at 14 and 30 days if you forget to log • Previous-period logging — log yesterday's expense even if it crossed a budget boundary ## Apps similar to BudgetVault | App | Rating | Price | Category | | --- | --- | --- | --- | | [Jars: Envelope Budgeting](https://appshunter.io/ios/app/jars-envelope-budgeting/id6602895325) | 5.0 (2) | Free | Finance | | [Cashnote - Budget Tracker](https://appshunter.io/ios/app/cashnote-budget-tracker/id6759286641) | — | Free | Finance | | [DashSave - Saving Goal Tracker](https://appshunter.io/ios/app/dashsave-saving-goal-tracker/id6758372107) | — | Free | Finance | | [Budget Envelope](https://appshunter.io/ios/app/budget-envelope/id6760275377) | — | Free | Finance | | [Vaulted - Private Budget](https://appshunter.io/ios/app/vaulted-private-budget/id6761038451) | — | Free | Finance | | [Aura – AI Budget Coach](https://appshunter.io/ios/app/aura-ai-budget-coach/id6756787836) | — | Free | Finance | ## More apps by ZACHARY CANCIANO GOLD - [Haven - Prepare & Plan](https://appshunter.io/ios/app/haven-prepare-and-plan/id6758952846) - [PeptideOS+](https://appshunter.io/ios/app/peptideos-plus/id6762200959) All apps by ZACHARY CANCIANO GOLD: https://appshunter.io/developer/1875956705 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*