UK Budget Planner vs Vault

UK Budget Planner is completely free app that helps you to plan and track your budget, track and clear debts and reach your financial goals with easy to use interface. The app follows StepChange Debt Charity method to help you clear your debts and reach your financial freedom. It is made for UK family homes. YOUR BUDGET, CLEARLY • Track income, fixed costs, and flexible spending by pay period • See surplus or deficit at a glance on the dashboard • Customise categories to match how you actually spend DEBTS & PAYOFF PLANNING • Log priority and non-priority debts with balances and payments • Understand payoff progress and plan your next steps • Optional reminders so repayments stay on track GOALS, ASSETS & INSIGHTS • Set savings goals and watch progress • Record assets and savings for a fuller picture • Analytics and recommendations based on your own numbers PRIVATE BY DESIGN • Offline-first — your budget lives on your device • Optional PIN or biometric lock • Encrypted local backups, plus optional Google Drive or iCloud • No ads. We don’t sell your financial data. IMPORT, EXPORT & RECEIPTS • Import from CSV or Excel • Export PDF or CSV for advisers or spreadsheets • Scan receipts to speed up expense entry UK MONEY CALCULATORS (2026/27) Quick estimates for the questions that come up when you're planning money: • Take-home pay after tax, NI, pension and student loan • Income tax by band, and how much of your tax-free allowance you've used • Student loan repayments, with a year-by-year projection • Pension tax relief, paying in yourself or through salary sacrifice • £100k tax trap: what you lose above £100k, and the pension payment that brings you back • Self-employed tax: income tax, Class 4 NI and a set-aside figure • Rental income tax • Stamp Duty for England and Northern Ireland, plus Scotland and Wales • Child Benefit and the high-income charge • Mortgage repayment, repayment or interest-only • Redundancy pay, Maternity pay, Paternity pay and Statutory sick pay Plenty of widgets, customisation options and accessibility features to help you along the way. Whether you’re working through debt or simply want a clearer monthly plan, UK Budget Planner keeps the focus on numbers you can trust — without requiring a bank login. Privacy: https://accipe.co.uk/privacy_policy.html#ukbudgetplanner Support: support@accipe.co.uk

Vault is a private, no-nonsense budget planner that helps you see exactly where your money goes and stay on top of every bill. WHY VAULT • Face ID / passcode lock — your finances stay private on your device. • Simple budgets that actually stick: set limits, track spending, watch what's left. • Bill & subscription tracker so nothing catches you off guard. • Savings goals to keep you moving toward what matters. • Split bills with friends and settle up with ease. • Scan and store receipts, and manage recurring subscriptions in one place. • Live currency conversion for spending across currencies. • Syncs securely to your account so your data is there on every device. FREE, WITH AN OPTIONAL UPGRADE Vault is free to use and supported by ads. Prefer a clean, ad-free experience? Remove ads with an optional subscription. SUBSCRIPTION DETAILS Remove Ads (Monthly) — £0.99 per month. Payment is charged to your Apple Account at confirmation of purchase. The subscription automatically renews at the same price and period unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription any time in Settings › Apple Account › Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://astounding-marzipan-9bfb02.netlify.app/ Your budget. Your data. Locked in the Vault.