# Vaultric — Budget, Pots & Net Worth > Personal finance app prioritizing debt repayment and goal-based savings. (iPhone/iPad app by Vaultric Ltd.) - Source: https://appshunter.io/ios/app/vaultric/id6759506661 (this page in markdown: same URL + `.md`) - Developer: [Vaultric Ltd](https://appshunter.io/developer/1879103204) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 255 MB - Languages: American English - Released: 2026-03-19 - Data updated: 2026-08-02 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/vaultric/id6759506661/reviews.md ## What is Vaultric? Every pound you earn already has somewhere to be — rent, loans, food, savings. Vaultric makes that visible before you spend a single penny. Most budgeting apps show you where money went. Vaultric starts with where it has to go. Your loan repayments and credit commitments are deducted from your income first — automatically — so your budget is built on what you actually have left to allocate. No more budgeting with money that isn't really available. ZERO-BASED BUDGETING Give every pound a job. Allocate your remaining income across Pots, savings goals, and discretionary spending until the bar reads zero. You'll know exactly when your finances are balanced. LOAN & CREDIT TRACKER Track all your loans and credit cards in one place. See outstanding balances, monthly payments, and months remaining. Vaultric deducts these automatically from your allocatable income — the only budgeting app that treats debt as a first-class commitment. POTS & SAVINGS GOALS Set up savings pots for anything — emergency fund, holiday, new car. Track progress against targets. Your Safety Net pot is calculated and maintained automatically based on your monthly expenses. CASH RUNWAY See exactly how many months your savings can sustain your lifestyle. Real-time runway tracking based on your actual burn rate — so you always know how much breathing room you have. NET WORTH DASHBOARD Your complete financial picture in one number. Cash, investments, pensions, property — minus loans and credit balances. Updated every time you open the app. PENSION & INVESTMENTS Track your pension contributions and investment portfolio alongside your everyday finances. See how your long-term wealth is growing, not just your monthly spending. FINANCIAL FORECAST Project your finances months into the future. Understand how consistent saving, debt repayment, and spending habits compound over time. AUTOMATIONS Set up standing orders and automated allocations so your money moves itself on payday. Your financial system should run without you having to think about it. MULTI-CURRENCY Manage finances in multiple currencies. Perfect for expats, frequent travellers, and anyone with overseas accounts or income. --- Vaultric is free to download. Vaultric Pro unlocks advanced features including unlimited pots, investment tracking, and financial forecasting. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel your subscription in your Apple ID account settings. Vaultric is a personal finance tracking and planning tool. It does not provide regulated financial advice. All projections and forecasts are for illustrative purposes only and should not be relied upon as predictions of future financial performance. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Zero-based budgeting - Loan and credit tracking - Savings pots and goals - Cash runway calculation - Net worth dashboard - Financial forecasting - Automated allocations ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Vaultric Pro (Monthly) | $6.99 | per month | | Vaultric Pro (Yearly) | $59.00 | per year | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/vaultric/id6759506661/reviews.md ### 5/5 — Spot on *2026-05-09* This budget app was absolutely spot on. It made tracking my expenses simple and intuitive, and the insights were surprisingly accurate. The categorization was on point, the interface was clean, and it helped me understand exactly where my money was going. A great tool for anyone who wants to stay on top of their finances without any hassle. ## Frequently asked questions about Vaultric ### Does Vaultric have ads? No, Vaultric is ad-free, allowing for an uninterrupted financial management experience. ### What are the subscription options for Vaultric Pro? Vaultric Pro offers two subscription plans: a monthly subscription for $6.99 and a yearly subscription for $59.00. ### How does Vaultric handle loan and credit payments? Vaultric automatically deducts your loan and credit card payments from your income first, ensuring your budget is based on truly available funds. ### Can I track my investments with Vaultric? Yes, Vaultric allows you to track your pension contributions and investment portfolio alongside your everyday finances, providing a comprehensive view of your wealth. ### What devices is Vaultric compatible with? Vaultric is available on iPhone and iPad, offering a seamless experience across Apple devices. ### How often is Vaultric updated? The latest version of Vaultric is 1.3.8, and it was last updated on July 13, 2026, indicating regular maintenance and feature enhancements. ### Is Vaultric suitable for managing finances in different currencies? Yes, Vaultric supports multi-currency management, making it ideal for expats, frequent travelers, or anyone with international financial accounts. ### How do I cancel my Vaultric Pro subscription? You can manage or cancel your Vaultric Pro subscription within your Apple ID account settings. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. ## Version history (last 5 releases) ### 1.3.8 — 2026-07-13 • Connect Claude, ChatGPT, or Grok to Vaultric to ask about your finances — read-only and consent-based. • Invite friends: you both get 1 month of Pro free. New accounts start with a 14-day Pro trial. • Apple Pay auto-approve (opt-in) saves confident purchases straight to your transactions. • Onboarding: per-loan deadline + currency, tidier entry cards. • Fixes: correct multi-currency totals, archived accounts hidden from the picker, on-screen account menu, reliable account deletion. ### 1.3.5 — 2026-06-27 Smarter Apple Pay, sharper spending insight. • Apple Pay card matching — captured purchases are now automatically matched to the exact account or credit card you paid with, by card number or card name. • Merchant insights — tap any transaction to see how often you've shopped there, plus your average and total spend. • Faster, more accurate review — pending transactions now remember which card was used. • Fixes and polish across credit-card reconciliation. ### 1.3.2 — 2026-05-30 New • Apple Pay Auto-Detect — your Apple Pay purchases are instantly captured and queued for review via a Siri Shortcut • Pending Transactions review queue — approve, categorise, and route captures to any cash account or credit card • Locked-spend guard — expenses are now blocked when your account balance is fully committed to envelopes, goals, or your emergency fund • Goal & Emergency Fund release — free up locked earmarks without moving cash • Automation Insights — commitment meter and income reliability badge on your dashboard • Live exchange rates for 20 currencies, updated daily • Multi-account management — create, edit, archive, transfer between accounts Improved • Per-account free vs locked balance shown on dashboard cards • Merchant logos in the transaction list • Release just enough earmarked funds in one tap when a transaction is blocked Fixed • Push notification delivery hardened • Notification inbox routing corrected for all entries • Credit card purchases no longer incorrectly deduct from cash balances • Apple Pay capture notifications now fire reliably for every transaction ### 1.0.3 — 2026-05-18 Version 1.3.1 — Smart Money, Automatically APPLE PAY AUTO-DETECT Your Apple Pay purchases are now captured automatically via a one-time iOS Siri Shortcut setup. Every tap-to-pay appears in a review queue where you can categorise, add notes, and route the spend to any cash account or credit card — all in one tap. LOCKED-SPEND PROTECTION Vaultric now enforces your earmarks at the account level. If your balance is fully committed to envelopes, goals, or your emergency fund, the app will block the expense and show you exactly what to release — with a "release just enough" one-tap option. GOAL & EMERGENCY FUND RELEASE FLOWS Completed goals no longer lock your money forever. Release funds back to your spendable balance (fully or partially) without moving any cash. The same works for your emergency fund reserve. AUTOMATION INSIGHTS A new dashboard banner shows your Commitment Meter — the percentage of your monthly income already locked to scheduled automations — and an Income Reliability badge (Stable / Variable / Volatile) based on your recent income pattern. The Cash Runway card now simulates the next 30 days of scheduled income and expenses so you can see how automations affect your runway before they run. LIVE EXCHANGE RATES 20 currencies are now updated daily from real market data. Rates push automatically to your profile so your multi-currency balances are always accurate without manual entry. MULTI-ACCOUNT MANAGEMENT A dedicated Accounts screen lets you create, edit, archive, and reorder accounts. Adjust balances, transfer between accounts, and view per-account transaction history — all in one place. PER-ACCOUNT BALANCE BREAKDOWN The dashboard balance cards now show each account's free vs locked balance side-by-side, so you can see exactly how much is committed on each account and how much is genuinely free to spend. FIXES & IMPROVEMENTS • Transaction list now shows merchant logos (with category icon fallback) • Apple Pay review sheet lets you route captures to a cash account or a credit card bill • Push notification delivery hardened with a JWT verify fallback chain • Notification inbox taps now navigate to the correct screen for all legacy entries • Account balances no longer incorrectly deduct credit card purchases • Each Apple Pay capture now reliably triggers its own notification ### 1.0.2 — 2026-05-06 1.2.18 Credit cards have arrived. • Track every credit card alongside your other accounts • Live billing cycles with statements, due dates, and payment history • Split any purchase into instalments — interest is calculated automatically for plans longer than 3 months, so the monthly amount is always accurate • "Balance Owed" now shows what you actually owe today plus everything queued up in pending instalments • Delete a paid credit-card expense and the cash, instalments, and card balance reverse cleanly — no more orphaned records Plus contextual push notifications for upcoming bills, instalments, and recurring transactions, and a long list of polish across the dashboard. --- *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 2026-08-02.*