# Vault: Subscription Manager — Budget, Coach & Academy > Budget, Coach & Academy (iPhone/iPad app by German Higuera.) - Source: https://appshunter.io/ios/app/vault-subscription-manager/id6761281415 (this page in markdown: same URL + `.md`) - Developer: [German Higuera](https://appshunter.io/developer/1885696902) - Category: Finance, Education - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.2 · 16 MB - Languages: Arabic, English, French, German, Japanese, Korean, Portuguese, Russian, Chinese, Spanish - Released: 2026-03-28 - Data updated: 2026-06-23 - User reviews in markdown: https://appshunter.io/ios/app/vault-subscription-manager/id6761281415/reviews.md ## What is Vault? Take control of your money with Vault Finance, the AI-powered personal finance app designed to help you budget smarter, pay off debt faster, and build real savings, all with on-device intelligence. AI FINANCIAL COACH Ask anything about your finances and get personalized advice instantly. Vault's AI coach works with everything you've entered in the app - accounts, debts, subscriptions, goals, spending, income, and investments - to give you real, tailored answers. The more you use it, the smarter it gets. Powered by Apple Intelligence, everything stays on your device. AI-POWERED BUDGET Set up your income (weekly or monthly), and Vault creates a personalized budget split across Needs, Personal, and Savings. AI analyzes your spending patterns and suggests optimal budget adjustments. Track every expense by category with smart AI category suggestions as you type. TRACK ALL YOUR ACCOUNTS Add checking accounts, savings accounts, and credit cards in one place. Monitor balances, track credit utilization, and see your full financial picture at a glance. AI DEBT STRATEGY Choose between the Snowball or Avalanche method to eliminate debt. AI recommends which strategy works best for your situation and which debt to attack first. The Debt Payoff Calculator shows exactly when you'll be debt-free. SAVINGS GOALS WITH AI ADVICE Create savings goals and get AI-powered advice on realistic timelines and weekly savings amounts based on your actual budget capacity. INVESTMENT PORTFOLIO Track stocks, ETFs, crypto, and savings accounts with live price updates. See your gains, losses, and portfolio allocation in real time. AI PURCHASE ADVISOR Wondering "Should I buy this?" Enter the price and AI gives you a complete financial report, analyzing the real impact on your budget, debts, and savings goals to tell you if you can really afford it. 260 FINANCIAL LESSONS Level up your money skills with Vault Academy, a structured 52-week curriculum covering budgeting, investing, debt management, and more. Earn streaks, unlock levels, and actually learn how money works. SMART NOTIFICATIONS Get spending alerts, bill reminders, celebration milestones, and weekly summaries that keep you informed without being annoying. EXPORT YOUR DATA Download your financial data as CSV or PDF whenever you need it. PRIVACY FIRST, AI ON DEVICE All AI runs on your device using Apple Intelligence. Your financial data never leaves your phone. Protect access with Face ID or a PIN code. No third-party tracking, no ads, ever. FREE FEATURES Full budget tracking and expense management Up to 2 accounts and 6 recurring bills 2 weeks of Vault Academy (Levels 1 and 2) 1 savings goal Investment portfolio tracking VAULT PRO UNLOCKS AI Financial Coach, chat with your personal advisor AI that learns your financial habits AI budget advice, debt strategies, and spending insights AI Purchase Advisor with full financial reports Unlimited accounts and recurring bills Unlimited savings goals Full Vault Academy (260 lessons, all 10 levels) Spending Insights and Budget Forecast Net Worth Tracker Debt Payoff Calculator (Snowball & Avalanche) Smart Notifications with bill reminders CSV and PDF export Siri Shortcuts Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://vltfinance.app/privacy.html ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Vault Pro Monthly | $4.99 | per month | | Vault Pro - Annual | $44.99 | per year | ## Version history (last 4 releases) ### 1.10 — 2026-04-19 Bug fixes and performance improvements. Thanks for using Vault Finance! ### 1.2 — 2026-03-30 What's New in Version 1.2 Redesigned Expense Screen - Premium new look for adding and editing expenses - Categories now displayed as scrollable pills - Note and account picker grouped in a clean details card - Add Expense button stays visible above the keyboard Budget Impact Bar - See in real-time how each expense affects your Needs or Personal budget - Progress bar updates as you type the amount Smarter Savings Tracking - Savings progress now reflects actual savings account balances, investments, and goal contributions — not just leftover money Savings Goal Progress Bars - Dashboard now shows progress bars on each savings goal card First-Visit Coaching Tips - Helpful tips appear the first time you visit each section - Learn how Expenses, Recurring Payments, Debts, Portfolio, and more work together Smarter Notifications - New reminders for savings goals, investment consistency, and monthly savings targets Other Improvements - "Add subscription" renamed to "Add recurring payment" - Category edit mode with hide/restore for default categories - More icon options for custom categories ### 1.1 — 2026-03-29 Subscription prices now display correctly. ### 1.0 — 2026-03-28 No release notes. --- *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 2026-06-23.*