Compare Free, Plus, Premium & Premium Plus

Vault is genuinely useful for free, and paid plans add automatic bank syncing and a few extras. All three paid plans are monthly subscriptions. Vault has no lifetime purchase, because every linked bank costs a monthly fee to keep connected. Here is how the tiers compare.

• Free: manual entry, receipt scanning, statement import, budgets, goals, debt tracking you enter yourself, net worth, forecast, and the coach's built-in answers. Open-ended coach chat is included during setup. No linked banks; everything stays on-device.
• Plus, $2.99 per month: everything in Free, plus 1 linked bank with automatic background sync, and open-ended coach chat.
• Premium, $4.99 per month: everything in Plus, up to 5 linked banks, smart categorization of bank transactions, debt tracking from up to 2 linked accounts, and Autopilot Safety Net.
• Premium Plus, $9.99 per month: everything in Premium, up to 10 linked banks, and debt tracking from up to 5 linked accounts.