# VaultKeeper: AI Money Tracker — Budget, Net Worth & Bank Sync > AI-powered private money tracker for budgeting, net worth, and bank syncing. (iPhone/iPad app by Sinkoff LLC.) - Source: https://appshunter.io/ios/app/vaultkeeper-ai-money-tracker/id6763221512 (this page in markdown: same URL + `.md`) - Developer: [Sinkoff LLC](https://appshunter.io/developer/1895219974) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 4 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 31 MB - Languages: American English - Released: 2026-08-31 - Data updated: 2026-10-08 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/vaultkeeper-ai-money-tracker/id6763221512/reviews.md ## What is VaultKeeper? VaultKeeper is a private, AI-assisted money tracker for individuals and families. Track spending across every account you own. Sync your bank accounts via Plaid. Share finances with household members. Ask AI about your money — grounded in your actual wallets and transactions (Premium). No ads, no tracking, no selling your data. TRACK EVERYTHING IN ONE PLACE • Checking, savings, credit cards, cash, investments — each with its own balance and currency • Income, expense, and transfer transactions with category breakdowns • Recurring / scheduled transactions with review-before-add confirmation • Monthly and yearly stats with drill-down by category, wallet, and date range • Full-text search across all transactions • Import your history from another budgeting app (CSV) • CSV export for your records or tax prep • Face ID lock, and an option to hide balances automatically when you're away from home BANK SYNC (PREMIUM) • Connect your bank accounts via Plaid • Automatic import of transactions and account balances • Smart auto-categorization from your past transactions • See investment account balances alongside everything else • Sync all wallets with one tap, or per-wallet on demand HOUSEHOLD SHARING (PREMIUM) • Invite family members by email • Everyone sees the same ledger in real-time • Add or edit transactions from anyone's device • Leave or remove members anytime ASK AI (PREMIUM) • "How much did I spend on groceries last month?" • "Which subscriptions am I paying for, and what do they cost me a year?" • "Show me my net worth over time" • Answers come with real charts you can tap to inspect, and can filter your ledger or export a CSV for you • Grounded in your actual wallets, transactions, and categories — not a generic chatbot • Zero-data-for-training with Anthropic's Claude • Session-only conversations, fully consent-gated PRIVACY FIRST • No ads, ever • No behavioral tracking, no third-party analytics — the only diagnostics we collect are crash reports (Firebase Crashlytics) • No selling your data • Face ID / Touch ID lock • Optional two-factor authentication (TOTP) • Encrypted in transit (TLS) and at rest • Complete account deletion available from Settings • Open policy documentation PREMIUM SUBSCRIPTION Unlock bank sync, household sharing, AI assistant, and unlimited wallets. • Monthly — $5.99 • Yearly — $49.99 (with a 7-day free trial) AI assistant usage is subject to a monthly fair-use allowance, shown as a usage bar in Settings. Free tier includes manual tracking with up to 5 wallets, unlimited categories, and full transaction history — enough to get the hang of it. Subscriptions auto-renew and are managed through your Apple ID. Cancel anytime from iOS Settings → Apple ID → Subscriptions. Website: https://vaultkeepermoney.com Privacy Policy: https://vaultkeepermoney.com/policies/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Questions? Email info@vaultkeepermoney.com ## Key features - AI-assisted money tracking - Bank account syncing via Plaid - Household finance sharing - Transaction categorization - Net worth tracking - Face ID lock - CSV import/export ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | VaultKeeper Premium (Monthly) | $5.99 | per month | | VaultKeeper Premium (Yearly) | $49.99 | per year | ## Is VaultKeeper safe? Not enough ratings yet to assess VaultKeeper. ## Is VaultKeeper legit? VaultKeeper: AI Money Tracker has limited verification signals. The AppsHunter Legitimacy Score for VaultKeeper is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/vaultkeeper-ai-money-tracker/id6763221512/reviews.md ### 5/5 — Awesome app to keep track of finances *2026-09-23* This app really helps me manage my finances. I always know where my money is going and how I am meeting my budget. The AI analysis can be pretty insightful and it has caught charges I would have missed ### 5/5 — The best AI budget app *2026-09-13* It’s the best one that exists, out of all I have tried ### 5/5 — Great app! *2026-09-13* I like this app. Finally, I can control my husband’s spendings 😈 ## Frequently asked questions about VaultKeeper ### What are the main features of VaultKeeper? VaultKeeper offers AI-assisted money tracking, the ability to sync bank accounts via Plaid for automatic transaction import, and household sharing for collaborative finance management. It also provides detailed stats, full-text search, and secure locking options. ### How does VaultKeeper ensure user privacy? VaultKeeper is committed to privacy with no ads, no behavioral tracking, and no selling of user data. It uses encryption for data in transit and at rest, and offers Face ID/Touch ID lock and optional two-factor authentication. ### What are the costs associated with VaultKeeper? VaultKeeper offers a free tier with manual tracking for up to 5 wallets. Premium features like bank sync, household sharing, and the AI assistant require a subscription, costing $5.99 monthly or $49.99 yearly, which includes a 7-day free trial. ### Can I import my financial history into VaultKeeper? Yes, you can import your transaction history from another budgeting app using a CSV file. The app also supports CSV export for your records or tax preparation. ### How does the AI assistant in VaultKeeper work? The AI assistant can answer questions about your spending habits, subscriptions, and net worth, grounded in your actual financial data. It provides real charts and can filter your ledger or export data, with usage subject to a monthly fair-use allowance. ### Is VaultKeeper available on multiple devices? Based on the provided data, VaultKeeper is currently supported on iPhones. Information regarding availability on other platforms like Android or desktop is not specified. ### How often is VaultKeeper updated? The latest version of VaultKeeper was released on October 6, 2026, indicating recent development activity. The app is generally updated to introduce new features and maintain performance. ### What is the age rating for VaultKeeper? VaultKeeper has an age rating of 4+, making it suitable for a wide range of users. This rating suggests that the content is appropriate for young children and older audiences. ## Version history (last 5 releases) ### 1.1.5 — 2026-10-06 Your banks, and now your Apple Card. With Premium, VaultKeeper already connects your banks, credit cards and investment accounts through Plaid, keeping your transactions and balances up to date. Now Apple Card, Apple Cash and Apple Savings join them, straight from Apple Wallet. There's no bank login to type: allow access once on your iPhone, choose the accounts you want, and they flow in alongside everything else. VaultKeeper is also ready for iOS 27, and it still runs beautifully on iOS 17 and later. Everything you rely on is here and works just as before: • See every account, card and loan in one place, with your full net worth kept up to date as you go. • Set a monthly budget for any category and see at a glance whether you're on pace or getting ahead of yourself. • Share your finances with the people in your household — invite them in two steps, with a link that works even before they've installed the app. • Ask AI about your money and get answers grounded in your real transactions, not a generic chatbot. • And a small fix: investment accounts no longer show an orange warning just because their value moved with the market. Thank you for keeping your money organised with VaultKeeper. ### 1.1.4 — 2026-09-14 Sharing your money with someone in your household is much easier to set up. • Invite a member in two steps — send the invite, then share a link. The link works even if they have never installed VaultKeeper. • Invitations arrive as a proper message rather than a bare web address, so it is clear who is inviting and what it is for. • Tapped an invite link before installing the app? Paste it into Settings › Family Sharing › Join with a link and you will still join. • The people in your household are now listed in Settings, alongside your bank connections. Fixes • Bank balances now reconcile directly with your bank the moment you connect an account, so a newly linked wallet shows your real balance right away — not just recent activity. • Fixed an issue where some accounts (health savings accounts in particular) could display a balance lower than the actual amount. • Sharing an invite no longer leaves a blank space at the bottom of the screen. ### 1.1.3 — 2026-09-10 Sharing your money with someone in your household is much easier to set up. • Invite a member in two steps — send the invite, then share a link. The link works even if they have never installed VaultKeeper. • Invitations arrive as a proper message rather than a bare web address, so it is clear who is inviting and what it is for. • Tapped an invite link before installing the app? Paste it into Settings › Family Sharing › Join with a link and you will still join. • The people in your household are now listed in Settings, alongside your bank connections. Fixes • A bank account connected to a wallet you already had could show a balance built only from recent transactions instead of your real balance. Balances now reconcile against your bank when a connection is saved. • Some accounts — health savings accounts in particular — could report much less than they actually hold. • Sharing an invite no longer leaves an empty gap at the bottom of the app until you restart it. ### 1.1.2 — 2026-09-03 New: tap into any category or wallet to see its trend — a six-month chart of spending (categories) or balance (wallets), right above the transactions. Improved: category and wallet screens now lead with that trend, then the budget, then the subtotal, in one consistent layout. Settings groups your money, your preferences, then your account. Asking the assistant to show your budgets now opens the Budgets screen. Plus security and reliability improvements. ### 1.1.1 — 2026-09-01 Under-the-hood improvements to Google sign-in reliability. ## Apps similar to VaultKeeper | App | Rating | Price | Category | | --- | --- | --- | --- | | [Anotao](https://appshunter.io/ios/app/anotao/id6747153582) | — | Free | Finance | | [HSA Vault - Receipt Tracker](https://appshunter.io/ios/app/hsa-vault-receipt-tracker/id6759198475) | 5.0 (3) | Free | Finance | | [FlowMe](https://appshunter.io/ios/app/flowme/id6758045152) | — | Free | Finance | | [FinAI - Personal Finance](https://appshunter.io/ios/app/finai-personal-finance/id6760623415) | — | Free | Finance | | [Expense Tracker: Cashflow](https://appshunter.io/ios/app/expense-tracker-cashflow/id6743357457) | 4.8 (4) | Free | Finance | | [InFirst Bank Mobile Banking](https://appshunter.io/ios/app/infirst-bank-mobile-banking/id479899484) | 4.8 (274) | Free | Finance | --- *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 2026-10-08.*