# Philia Vault: Wealth Tracker — Net Worth, Assets & Cash Flow

> Financial tracker for asset builders to measure progress toward financial independence. (iPhone/iPad app by Philia Entreprise LLC.)

- Source: https://appshunter.io/ios/app/philia-vault-wealth-tracker/id6790504287 (this page in markdown: same URL + `.md`)
- Developer: [Philia Entreprise LLC](https://appshunter.io/developer/6790504289)
- Category: Finance, Education
- Price: Free with in-app purchases
- Rating: 4.80/5 from 5 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.4 · 75 MB
- Languages: American English
- Released: 2026-07-27
- Data updated: 2026-09-09
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/philia-vault-wealth-tracker/id6790504287/reviews.md

## What is Philia Vault?

Are you actually building wealth — or just earning and spending money?

Philia Vault helps you see your real financial position: net worth, assets, liabilities, cash flow, and financial independence — all in one place.

Stop looking only at where your money went. Start seeing where your financial life is going.

WHAT PHILIA VAULT DOES

Net Worth & Assets — Track everything you own vs. everything you owe, and see your net worth update as your financial data changes.

Cash Flow — See your income and expenses relative to your true monthly costs, not just a transaction feed.

Financial Independence Index (FII) — Know exactly how much of your monthly living costs your assets already cover.

Scenario Simulation — Model major decisions (a home purchase, a career change, an investment) before you make them.

AI Coach — Get pattern insights and reflective questions on your own numbers. Educational insights only — not personalized investment advice.

LEARN & GROW

Learn & Philia Library — Bite-sized lessons, audio micro-lessons, quizzes, XP, and streaks that take you from Understand → Learn → Decide → Act → Progress.

Philia Empire (Tycoon Simulation) — Practice real financial decision-making in a virtual business: Income → Capital → Decisions → Asset Acquisition → Cash Flow → Reinvestment → Growth. 100% virtual currency, no real-world value.

WHO IT'S FOR

Built for people who already earn and pay their bills, but want to know if they're actually making financial progress — not just another budgeting tool.

AVAILABILITY & PRIVACY

Available in English, French, Spanish, and Portuguese. Subscription-based. All data is entered manually — no bank account connection required.

Philia Vault includes an auto-renewable subscription. Payment is charged to your Apple Account after confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your Apple Account settings.

Terms of Use: https://philiavault.com/terms
Privacy Policy: https://philiavault.com/privacy

## Key features

- Track assets and liabilities
- Calculate net worth
- Visualize asset cash flow
- Measure Financial Independence Index
- Simulate cash-flow scenarios
- AI Coach for financial reflection

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $74.99 | per year |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/philia-vault-wealth-tracker/id6790504287/reviews.md

### 4/5 — Good application

*2026-08-18*

I like it

### 5/5 — Good app finance

*2026-07-29*

Good

### 5/5 — Excellent App!

*2026-07-27*

This app is amazing! It’s easy to use, well designed, and makes managing my assets simple and efficient. Everything works smoothly, and I’ve had a great experience so far. Highly recommend it to anyone looking for a reliable financial tool!

## Frequently asked questions about Philia Vault

### What is Philia Vault?

Philia Vault is a financial tracking application designed to help users understand their assets, liabilities, and progress towards financial independence. It provides a dashboard to visualize cash flow and net worth.

### Does Philia Vault offer financial advice?

No, the AI Coach within Philia Vault does not provide financial or investment advice. It analyzes user-provided information, highlights patterns, and encourages reflection on financial decisions.

### What are the subscription options for Philia Vault?

Philia Vault offers auto-renewable subscriptions, including 'Premium Monthly' for $9.99 and 'Premium Yearly' for $74.99. Both plans include a 3-day free trial.

### How can I cancel my Philia Vault subscription?

You can manage or cancel your subscription by accessing your Apple Account settings. Subscriptions must be canceled at least 24 hours before the end of the current period to avoid automatic renewal.

### Is Philia Vault available on multiple devices?

Based on the provided data, Philia Vault is currently supported on iPhones. Information regarding availability on other devices like iPads or Android is not specified.

### How often is Philia Vault updated?

Philia Vault was last updated on July 27, 2026, with version 1.0. Further update frequency details are not available in the provided information.

### What is the age rating for Philia Vault?

Philia Vault has an age rating of 4+, making it suitable for a wide range of users. This rating indicates minimal content concerns.

### Does Philia Vault have ads?

Yes, Philia Vault contains advertisements. This is indicated by the 'hasAds' flag being true in the application data.

## Version history (last 4 releases)

### 2.0.3 — 2026-09-05

- Performance & Stability Improvements: Enhanced user experience with smoother navigation and faster load times.
- Subscription System Optimization: Upgraded in-app purchase flow and entitlement sync.
- General Bug Fixes: Various under-the-hood fixes to ensure your financial tools run seamlessly.

### 2.0.1 — 2026-08-31

Performance improvements, enhanced subscription sync, and minor bug fixes for a seamless experience.

### 2.0.0 — 2026-08-24

NOUVEAUTÉS DANS PHILIA VAULT 2.0.0
- Simulateur Philia Empire : Testez votre stratégie financière et suivez votre Indice d'Indépendance Financière (IIF) en temps réel.
- Passifs illimités : Ajoutez vos passifs manuellement sans aucune limite pour suivre votre Taux d'Hémorragie Financière.
- Discipline quotidienne et Coach IA : Résolvez plus de 120 dilemmes financiers et suivez vos jours de liberté gagnés.
- Améliorations globales des performances et de la stabilité sur iOS.

### 1.0 — 2026-07-27

No release notes.

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*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 2026-09-09.*