# Vault Finance — Private Budget & Net Worth > Private Budget & Net Worth (iPhone/iPad app by willneeds Pty LTd.) - Source: https://appshunter.io/ios/app/vault-finance/id6762043355 (this page in markdown: same URL + `.md`) - Developer: [willneeds Pty LTd](https://appshunter.io/developer/1891296410) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 4 MB - Languages: English - Released: 2026-04-21 - Data updated: 2026-07-12 - User reviews in markdown: https://appshunter.io/ios/app/vault-finance/id6762043355/reviews.md ## What is Vault Finance? The all-in-one personal finance app that stays 100% on your device. No account. No cloud sync. No ads. No data collection. Just your financial life — private, secure, and fully yours. Vault Finance combines budgeting, investment tracking, and net worth monitoring in one beautifully designed, iOS-native app. Whether you're paying down debt, building your first $100K, or managing a diversified portfolio, Vault helps you see the full picture — without ever sending your data anywhere. Everything you need to manage your money Zero-Based Budgeting Take control of every dollar with flexible envelope-style budgeting. Track spending by category Auto-categorize transactions as you type View monthly cash flow reports and charts Automate recurring transactions Import CSV files from your bank (Pro) Investment Tracking Monitor your portfolio across markets and currencies. Live prices for stocks, ETFs, and crypto (powered by Yahoo Finance & CoinGecko) Automatic trading-currency detection (ASX, LSE, NYSE, Tokyo, HKEX, and more) Multi-currency FX conversion (powered by Frankfurter ECB rates) Track dividends, allocation, and daily changes Full trade history with cost-basis averaging Net Worth Tracking See your complete financial picture in one place. Track assets and liabilities in 10 currencies Set milestone goals with ETA projections View 12-month net worth trend charts Analyze asset composition breakdown Save monthly snapshots over time Built for privacy Your financial data stays on your device — always. AES-256 on-device encryption Optional Face ID / Touch ID protection Password-protected backups you can export anywhere Zero telemetry Zero tracking Zero ads No account required Pricing Free Includes everything you need to get started: 2 accounts 5 holdings 10 categories Full dashboard Full budgeting tools Pro Unlock the full Vault experience: Unlimited accounts Unlimited holdings CSV import & export Milestones Net worth trends Asset composition Monthly reports All future Pro features Pricing: $2.99/month $24.99/year $59.99 lifetime — pay once, own it forever Why Vault? Most finance apps are either: free, but monetize your data, or expensive subscriptions that keep increasing over time Vault is different. We believe personal finance should be private, transparent, and fair. That’s why your data never leaves your phone, and why we offer simple pricing — including a lifetime option. Built by indie developers who were tired of bank-sync apps leaking data and subscription apps creeping higher every year. Vault is the personal finance app we wanted to use ourselves. Support Questions or feedback? We’d love to hear from you. Support: willneeds.com.au/vault/support Email: support@willneeds.com.au Privacy Policy: willneeds.com.au/vault/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Vault Pro Monthly | $2.99 | per month | | Vault Pro Annual | $24.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Vault Pro Lifetime | $59.99 | one-time | ## Version history (last 2 releases) ### 1.1 — 2026-05-11 New in Vault 1.1 Tax Receipt Vault Scan receipts, mark them as deductible, and keep receipt photos stored locally on your device for ATO record-keeping. You can also export a printable financial-year PDF summary to share with your tax agent. Australian Financial Year Support Group transactions by Australian financial year, from 1 July to 30 June. Added ATO category tagging, including D1–D15, plus work-related percentage tracking. Improved Privacy Receipt photos and financial data are now excluded from iCloud backup. Your financial records stay on this device. Better Multi-Currency Support Default currency now follows your device locale automatically. Crypto pricing has also been unified for more accurate FX conversion. Reliability Improvements Restore Purchases is now available wherever a paywall appears. Cross-currency trade edits now use historical FX rates to avoid drift. CSV imports from ANZ, CBA, NAB, Westpac, and ING now handle dates more reliably, along with other performance and stability improvements. Vault is for record-keeping only. Please confirm any tax claims with a registered tax agent before lodging. ### 1.0 — 2026-04-21 No release notes. ## More apps by willneeds Pty LTd - [StockEasy: Inventory & POS](https://appshunter.io/ios/app/stockeasy-inventory-and-pos/id6761757035) All apps by willneeds Pty LTd: https://appshunter.io/developer/1891296410 --- *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 2026-07-12.*