Vault Flow vs A2Z Money

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.

Know exactly when your money starts working harder than you do. A2Z Money tracks every dollar across every account — checking, savings, credit cards, investments, retirement — and answers the one question budget apps avoid: when can I stop working? THE CROSSOVER PROJECTION At the heart of A2Z Money is the Crossover chart. It models when your portfolio's inflation-adjusted growth outpaces your salary. The chart shows the exact age your investments take over. No vibes, no marketing math — just a projection grounded in your real account balances and your real spending. NET WORTH IN ONE PLACE Connect once, see everything: • Bank accounts and credit cards via Plaid • Brokerage and retirement accounts via SnapTrade A2Z aggregates balances and transactions automatically. Net worth = assets minus liabilities, recalculated every time your accounts move. WHAT YOU GET • Net worth dashboard with month-over-month deltas • Cash flow split into salary vs. other income, essential vs. discretionary spend • Categorized spending (Plaid PFC categories) — drill into any month • Crossover projection: the age your investments outearn you, plus years to financial independence and a sustainable withdrawal rate • Lifestyle targets and Tweak Assumptions — adjust return rate, inflation, or retirement age and watch the projection update live • Monthly email reports — HTML email plus PDF and CSV exports, optional and opt-in PRIVACY THAT'S NOT MARKETING • Your bank credentials never touch A2Z's servers. Plaid handles the OAuth flow end-to-end; we receive read-only account data, not your password • Sign in with Apple supported — no email/password required if you'd rather not have one • Account deletion is a single button in Settings. It revokes Plaid + SnapTrade tokens server-side and purges every byte of your data from our database • At-rest encryption on the server (AES-256-XTS) • No ads. No data sales. No marketing email. Ever. PRO MEMBERSHIP A2Z Money's free tier includes the full demo experience with sample data and the net worth dashboard. Pro unlocks live account connections, monthly email reports, and the full Crossover projection with custom assumptions. In-app subscription. Auto-renews until cancelled. Manage or cancel anytime in Settings → Subscription, or in iOS Settings → Apple ID → Subscriptions. Pricing shown on the upgrade screen in the app. WHO IT'S FOR If you've ever sat down with a spreadsheet and tried to figure out the year your savings start carrying you, A2Z Money does that work continuously, with real data. The math borrows from the FIRE (financial-independence) community, but the app doesn't require you to know the acronym to use it. Privacy Policy: https://www.a2z-ventures.com/support/a2z-money/privacy.html Terms of Use: https://www.a2z-ventures.com/support/a2z-money/terms.html Support: https://www.a2z-ventures.com/support/a2z-money/