# Vault Flow - Money Tracker — Accounting, NetWorth, Spending

> Accounting, NetWorth, Spending (iPhone/iPad app by Jashandeep Singh.)

- Source: https://appshunter.io/ios/app/vault-flow-money-tracker/id6758531604 (this page in markdown: same URL + `.md`)
- Developer: [Jashandeep Singh](https://appshunter.io/developer/1858438700)
- Category: Finance, Lifestyle
- Price: Free
- Age rating: 4+
- Requires: iOS 26.2 · 7 MB
- Languages: English
- Released: 2026-06-14
- Data updated: 2026-10-15

## What is Vault Flow?

VaultFlow shows your complete financial picture — cash, investments, property, and debt — in one calm, private app. See your net worth at a glance, watch it grow, and always know what's coming up.

YOUR NET WORTH, AT A GLANCE
• One big, clear number, plus a chart you can scrub from one month to all time
• Milestones and streaks that make progress feel real
• Home Screen widgets for net worth, daily spending, upcoming bills, and your portfolio

SIMPLE, EVERYDAY MONEY
• Chequing, Savings, and Credit Card — that's it, no clutter
• Log spending and income in seconds; move money between accounts
• Monthly budgets that show your pace, and recurring bills that never surprise you
• A safe-to-spend number for the rest of the month

INVESTMENTS WITH LIVE PRICES
• Stocks, ETFs, and crypto, valued with live market prices in your currency
• Allocation breakdown, today's movers, and gains versus what you paid
• A tracker only — VaultFlow never buys, sells, or holds anything

PROPERTY, MORTGAGE & DEBT
• Track your home's value, equity, mortgage balance, and monthly costs
• See every loan and card in one place, with what the interest is costing you
• A debt-free planner (avalanche or snowball) that shows your payoff date and interest saved

REPORTS & FORECAST
• Spending by category, income trends, net worth history, and portfolio performance
• A 12-month net worth forecast and month-end cash-flow projection
• Financial goals with progress rings

MADE FOR YOU
• 28 currencies with live exchange rates and a built-in converter
• Light and dark mode, Face ID lock, and a one-tap Privacy Mode that hides amounts
• Ask Siri "What's my net worth?", or log an expense from Shortcuts and Spotlight

PRIVATE BY DESIGN
Your data lives on your device. VaultFlow runs no servers and never sees your finances. No account or bank login is required — start in about a minute with the guided setup. Sign in with Apple is optional and only used for iCloud backup across your own devices.

VaultFlow is completely free. No subscriptions, no in-app purchases, no ads.


## Version history (last 5 releases)

### 4.0.0 — 2026-10-12

A brand-new VaultFlow — simpler, friendlier, and a lot more fun.

A WHOLE NEW LOOK
• Four simple places: Home, Spending, Bills and Wealth
• A big + button in the middle to add anything in one tap
• Bright colours, bigger numbers and plain words everywhere
• A fresh new app icon

BRING YOUR MONEY IN, FAST
• Import your bank's statement file (CSV, OFX or QFX) — duplicates are skipped
• Credit card statements are spotted automatically, and card payments aren't counted as spending
• Use ChatGPT or Claude with our ready-made prompt to turn any data into an import
• Or just describe your money in your own words — Apple Intelligence sets it up, right on your iPhone
• Import again any time: things update instead of doubling up
• Export everything as a spreadsheet

EASIER EVERY DAY
• Home shows the money you have, what you've spent this month, and what's due next
• Tap "Mark paid" on a bill and it's done (with Undo); get reminded 1–3 days before
• Spending shows where your money went, with budgets right on each category
• Search your transactions by name, category or note
• Wealth puts your accounts, investments, home, loans and goals on one page
• Edit, sell or remove investments, loans and the things you own
• Move money between accounts, with Undo

REPORTS THAT MAKE SENSE
• Did you save? Where did it go? What changed since last month?
• See what your bills and subscriptions cost you each year

MAKE IT YOURS
• Pick your app colour, your name, and which cards show on Home
• Set a monthly spending limit and your default card
• Settings is the gear on every tab, and has search so everything is easy to find
• Looks great on iPad too

### 3.1.0 — 2026-09-22

A cleaner, easier VaultFlow.

EASIER TO GET AROUND
• Settings is one tap away from every tab
• Reports, Properties, Other Assets, and Liabilities now have a clear home on the Plan tab
• Add a property, loan, or asset straight from the + button or Search

MORE POLISH, EVERYWHERE
• Light mode now looks right on every screen, including the lock screen
• A Done button above the keyboard on every form
• The same tap-to-enter amount pad whether you're adding or editing
• Deleting a transaction now asks first
• Tap search results for properties, assets, and debts to open them
• Clearer empty states, and hints that explain when a button is disabled
• Make a payment or delete a loan right from its detail screen

Plus a leaner app under the hood.

### 3.0.0 — 2026-07-23

VaultFlow 3.0 is our biggest update ever — a complete redesign, smarter money, and more fun to use.

AN ALL-NEW PREMIUM LOOK
• Every screen redesigned around calm, minimal design with huge, clear numbers
• A gorgeous light mode and true-dark mode — pick System, Light, or Dark

YOUR NET WORTH, FRONT AND CENTRE
• A beautiful net-worth chart you can scrub with your finger across 1M–All
• Milestones and live progress toward your next big number

REWARDS THAT KEEP YOU GOING
• Check-in streaks, achievement badges, and celebratory moments when you hit goals

MONEY IN YOUR CURRENCY
• Multi-currency support — choose from 28 world currencies
• Live exchange rates and a built-in currency converter
• Investments priced in USD now convert correctly to your currency

ASK SIRI, USE SHORTCUTS
• "Hey Siri, what's my net worth?"
• Log an expense or check your safe-to-spend by voice, Shortcut, or Spotlight

HOME SCREEN WIDGETS
• Net Worth, Daily Spending, Upcoming Bills, and Portfolio — right on your Home Screen

Plus more accurate net worth, spending, and debt-free planning under the hood.

### 2.1.0 — 2026-06-25

Home Screen widgets are here — plus a more accurate net worth.

HOME SCREEN WIDGETS
• Net Worth — your total at a glance, with the day's change
• Daily Spending — today's spending against your budget
• Upcoming Bills — what's due next, so nothing slips through
• Portfolio — your top holdings and total portfolio value
Add them from the Home Screen widget gallery.

MORE ACCURATE NET WORTH
• Your net worth now stays correct when you edit or delete a transaction
• Crypto holdings are now included in your net worth
• Investment accounts and tracked holdings no longer double-count
• Credit card charges now update your balance the right way

SHARPER DEBT-FREE PLANNER
• As each balance is paid off, its payment now rolls onto your next debt —
  so your payoff date and the interest you'll save are exact

POLISH & RELIABILITY
• Honest iCloud sync status
• Privacy and stability improvements under the hood

### 2.0.0 — 2026-06-14

No release notes.

## Apps similar to Vault Flow

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| --- | --- | --- | --- |
| [Monevis](https://appshunter.io/ios/app/monevis/id6762493274) | — | Free | Finance |
| [Wealth Forecaster Pro](https://appshunter.io/ios/app/wealth-forecaster-pro/id6761288883) | — | Free | Finance |
| [PlanSense Finance](https://appshunter.io/ios/app/plansense-finance/id6799559219) | 5.0 (3) | Free | Finance |
| [Kaya: AI Expense & Net Worth](https://appshunter.io/ios/app/kaya-ai-expense-and-net-worth/id6776628229) | — | Free | Finance |
| [Kaldo: Budget & Expenses](https://appshunter.io/ios/app/kaldo-budget-and-expenses/id6760669886) | 5.0 (1) | Free | Finance |
| [Finara: Expense Tracker](https://appshunter.io/ios/app/finara-expense-tracker/id6766209538) | — | Free | Finance |

## More apps by Jashandeep Singh

- [SmartFolio - Portfolio Tracker](https://appshunter.io/ios/app/smartfolio-portfolio-tracker/id6758073461)
- [Brolic - Gym Leaderboard](https://appshunter.io/ios/app/brolic-gym-leaderboard/id6758560673)
- [Gathr: Wedding Planner](https://appshunter.io/ios/app/gathr-wedding-planner/id6758989661)
- [Neighbr: Local Help & Odd Jobs](https://appshunter.io/ios/app/neighbr-local-help-and-odd-jobs/id6759352996)
- [Kalend: Daily Planner & Habits](https://appshunter.io/ios/app/kalend-daily-planner-and-habits/id6798521370)

All apps by Jashandeep Singh: https://appshunter.io/developer/1858438700

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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 2026-10-15.*