Check the purchase before you make it.

Yes. The development build supports manual expenses, receipt reading, CSV and PDF statement imports, budgets, and cash-flow estimates without a linked bank. You review imported transactions before accepting them. Optional Plaid connections are a separate paid path for bringing in account data; they are not required for manual tracking.

It compares a proposed purchase with the budget and obligations in your record, then shows its effect on spending pace and goals. Forecasts use recorded income, bills, and spending assumptions. An incomplete record can change the result. The figures are planning estimates, not a promise that a purchase will be affordable.

Bank linking and refreshes use Plaid and a relay service. Premium connected categorization can also send transaction merchant information, an amount, currency, and a pseudonymous identifier for enrichment. That path is separate from local manual tracking and calculations. Diagnostics are a separate, off-by-default choice.

The planned free tier includes manual tracking, imports, and deterministic planning answers. Conversational model answers are available during onboarding and require a paid tier afterward. Paid tiers also set bank-connection and liability-account limits. Vault remains in development; the final offer will be confirmed before release.

Yes. The development build exports expense records as CSV and supports a password-encrypted .vaultbackup file for backup and restore. CSV is useful for a spreadsheet; the encrypted backup carries the broader record. Keep your backup password and choose the destination deliberately, since exported copies are outside Vault’s local store.

Vault is in development for iPhone and iPad running iOS or iPadOS 26. The current app requires Apple Intelligence to be enabled and ready. Records are stored locally; there is no automatic iCloud record sync. No public release date is being announced.