Comparison

Vault22 vs Buddy

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Vault22

This app acts as a personal financial coach, helping you build, grow, and protect your wealth. It connects to over 120 financial institutions, providing personalized tools, expert advice, and actionable insights to improve your financial wellness.

Highlights
  • Connects to 120+ financial institutions
  • Personalized financial fitness levels
  • Consolidated view of all accounts
  • Detailed spending insights and categorization
  • Budget setting and tracking
  • Personalized financial nudges
  • Debt management strategies
  • Tax time export feature
Features
Read full description

Welcome to Vault22 – Your Personal Financial Fitness Platform Vault22 is your smart financial wellness companion, guiding you toward a more secure and fulfilling financial life. Think of us as your personal financial coach—helping you build, grow, and protect your wealth through personalized tools, expert advice, and actionable insights. Connect Your Financial World With support for hundreds of financial institutions worldwide—including major banks, credit providers, investment platforms, and rewards programs—Vault22 connects your entire financial network. We partner with trusted global financial leaders to ensure your information and wealth are secure. How Vault22 Works: Boost Your Financial Fitness Level: Track your progress with our gamified levels: start as a Rookie, level up to Enthusiast, climb higher to Competitor, sharpen your skills as an Expert, and reach the ultimate tier, Elite. Your Financial Fitness Level reflects how far you’ve come on your journey to financial wellness. See All Your Money in One Place: Link your bank accounts, credit and store cards, investments, loans, and rewards from multiple institutions worldwide. Get a complete view of your net worth and watch it grow with purpose. Spend Smarter: Gain insights into your spending habits with detailed transaction views and customizable filters. Understand where your money goes and make smarter financial decisions. Set Budgets You Can Stick To: Plan for what matters! Prioritize expenses, reduce impulse spending, and track your monthly budget. Activate spending alerts to stay on track and achieve your financial goals. Get Personalized Insights: Life gets busy—we get it. Vault22 Nudges offer helpful advice and insights about your spending compared to similar users. Discover ways to optimize your financial habits and make your money work harder for you. Manage Your Debt: Tackle debt efficiently with strategies tailored to your situation. Turn financial challenges into manageable steps and reclaim your financial freedom. Security is Our Priority: We take the “Vault” in Vault22 seriously. Using bank-grade encryption, we ensure your data stays private, secure, and yours—always. Trusted by Millions Worldwide: Join over 2.2 million users who have linked their accounts to Vault22 to take control of their financial future. More Features to Explore: Simplify Your Statements: Automatically categorize and update all your income and expenses. Access your transaction history anytime, anywhere—for free. Make Tax Time Easy: Export your categorized financial data straight to Excel or your preferred software. Simplify taxes without the stress. Real Support, Real People: Our friendly Vault22 Team is available from 9AM to 5PM (local time) on weekdays. Contact us via email or live chat—we’re here to help!

About

Buddy

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

Highlights
  • Create personal budgets
  • Shared budgeting for couples/groups
  • Connect bank accounts for transaction import
  • Detailed spending and income overview
  • Expense splitting and settlement tracking
Features
Currently charting
Read full description

Buddy helps you set up a budget and keep track of your expenses, either by yourself or together with your loved ones. Here’s what is waiting for you inside: BUDGETS Buddy will help you not to overspend on your well-earned salary by setting up a budget plan that fits you. Do you want a shared budget with your partner? Or keep the expenses between you and your mates fair on the vacation? No problem, just invite them and get a clear picture of who spent what. CONNECT YOUR BANK Import all transactions from your bank account into Buddy and see how your budget is doing. OVERVIEW We'll give you a beautiful & detailed overview of your spendings, income, and savings. SPLIT Split lets you know who paid what, and how to settle up. And much more for you to find. Take control of your finance today! Buddy offers a $9.99 monthly renewing and a $49.99 yearly renewing subscription to unlock Premium functionality. The purchase will be charged from your iTunes account if you choose to buy the Buddy Premium subscription. You can manage or cancel your subscription through the user settings in iTunes after the purchase. The subscription period ends with the same kind of subscription you already bought to the same price unless you turn off your subscription 24 hours before it renews. It is not possible to cancel your current subscription during the time your subscription is active. Privacy Policy: https://buddy.download/privacypolicy/ Terms & Conditions: https://buddy.download/terms-and-conditions/

Screenshots

Vault224 screens
Buddy4 screens

Verdict

The call

The clearest difference is in-app purchases: Vault22 at none against Buddy's 15. Vault22 also leads on review sentiment (62% vs 48%) and iOS requirement (15.1 vs 18.0). Buddy's advantage is ratings volume (9.6K vs 51) and chart position (#65 vs unranked). On price, rating, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Buddy sells 11 in-app purchases, starting at $4.99 per month. Vault22 asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Buddy holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: Buddy has 9.6K ratings behind it against 51, so its average is the more settled of the two. Written reviews complicate that: 62% of Vault22's written reviews are positive against 48% of Buddy's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 9 days. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

Scorecard5 real differences · 6 level
Vault22 versus Buddy: the parameters behind the verdict, then further details
ParameterVault22Buddy
PriceFreeFree
Rating4.5 (51 ratings)4.7 (9.6K ratings) — better
Positive reviews61.9% of reviews — better48.5% of reviews
Number of ratings519.6K — better
Update frequencyEvery 9 daysEvery 9 days
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank—#65 — better
DevicesiPhone, iPad, iPodiPhone, iPad, Apple Watch
Requires iOS15.1 — better18.0
Further details — not scored
Size119 MB169 MB
Age rating12+4+
DeveloperVault22 Financial Ltd.Buddy Budgeting AB

Customer experience

Vault22

All ratings51 ratings
Positive84.3%
Neutral7.8%
Negative7.8%
Written reviews42 reviews
Positive61.9%
Neutral11.9%
Negative26.2%

Buddy

All ratings9,567 ratings
Positive92.8%
Neutral3.0%
Negative4.3%
Written reviews889 reviews
Positive48.5%
Neutral11.9%
Negative39.6%

Bugs and requests

Vault22

Not enough reviews yet to summarise bugs or requests.

Buddy

Reported bugs

5 issues
  • Recurring transactions not working as expected
  • Balance not carrying over to next month
  • Syncing issues between devices
  • Transactions disappearing or resetting
  • Inability to edit categories without creating new ones

Requested features

8 requests
  • Calendar view for transactions
  • Bill reminders and due date tracking
  • Ability to hide/exclude certain transactions
  • Savings/investment tracking
  • Multi-currency support
Show 3 more
  • Ability to reorder categories
  • Weekly budget view
  • Ability to split transactions

In-app purchases

None

Vault22

No in-app purchases

11 purchases

Buddy

Subscriptions10
  • Buddy Premium7 Days trial$4.991 Month
  • Buddy Premium$4.991 Month
  • Premium$9.991 Month
Show 7 more
  • Buddy Premium$9.991 Month
  • Buddy Premium7 Days trial$16.991 Year
  • Buddy Premium7 Days trial$24.991 Year
  • Buddy Premium7 Days trial$34.991 Year
  • Buddy Premium1 Year trial$34.991 Year
  • Buddy Premium7 Days trial$39.991 Year
  • Buddy Premium7 Days trial2 variants$49.991 Year
One-time1
  • Unlimited$49.99

Questions

Is Vault22 free?
Vault22 is free to download, with no in-app purchases.
Is Buddy free?
Buddy is free to download, with in-app purchases available.
Which has better reviews, Vault22 or Buddy?
Buddy is rated higher. Vault22 averages 4.5 out of 5 from 51 ratings, while Buddy averages 4.7 from 9.6K ratings.
Do Vault22 or Buddy have ads?
Neither Vault22 nor Buddy shows ads.
Which is updated more often, Vault22 or Buddy?
Vault22 ships an update every 9 days, and Buddy every 9 days. Most recently, Vault22 was updated on October 24, 2026 and Buddy on October 30, 2026.

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