Vault.
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No account needed to get started.

See your money clearly. Be ready for tax time.

Vault brings spending, budgets, investments and Australian tax records into one private desktop app. Start with a bank CSV and keep your financial history under your control.

Features Pricing Terms & conditions
POWERED BY
Stripe
Supabase
HOW IT WORKS

Overview, at a glance

One screen for everything you own.

Privacy you can understand

Encrypted on your device before anything is sent. No account required to start.

Local firstYour ledger is a file on your own computer. Vault runs with the internet switched off, and nothing is uploaded unless you turn sync on.
Encrypted before it leavesTurn sync on and every amount, merchant and note is scrambled on your machine first, with a key made from your passphrase. We never receive that key.
No bank passwordsYou never type a banking login into Vault. Bank links will run through Australia's Consumer Data Right, where you approve access on your bank's own page. Until then, import a CSV.
Everything stays yoursExport the lot to CSV or JSON whenever you like, on any plan. Delete it and it is gone. No lock-in, nothing held hostage.
WHAT WE CAN SEE, AND WHAT WE CANNOT

This is only about cloud sync. Leave it switched off and there is nothing on our servers to list.

We can see
  • Your email address
  • That a record exists and when it changed — never what is in it
  • Roughly how much you track
  • That a bank feed is connected, and when it last ran
  • Whether you are on a paid plan
We cannot see
  • A single amount
  • Any merchant, description or note
  • Any balance, account name or number
  • Your receipts — they never leave your computer
  • What you do in the app. There is no analytics and no tracking in Vault
  • Your passphrase, or anything that could decrypt your records

The scrambling is AES‑256‑GCM. Your passphrase is put through 310,000 rounds of PBKDF2‑SHA256 before it becomes a key, which is what makes guessing it impractical — and is also why a forgotten passphrase cannot be recovered by anyone, including us. The complete list of what we hold is in the Privacy Policy.

FEATURES

What's inside

PRICING

Plain pricing. Plain numbers

All prices in Australian dollars and include GST. The free plan needs no account and no card. Paid plans are chosen inside the app, cancel any time, no minimum term — see the Terms.

Set your combination today.

Available on Windows and Mac. Free to start, no account needed.

WindowsWindows 11 MacApple silicon App StoreComing soon Google PlayComing soon
Work for yourself? Five minutes on how you handle money and tax records today. No account numbers or balances are asked for, and leaving the contact field blank makes your answer anonymous. Take the survey

Vault does not hold an Australian Financial Services Licence and is not a registered tax agent. Nothing here or in the app is financial, tax or legal advice — figures are estimates from what you enter. Verify before you lodge.