Plan
- Weekly, fortnightly, monthly and yearly budgets
- Custom groups, lines, colours and rollovers
- Recurring expenses, income and transfers
- Upcoming-money calendar
VULT FEATURES
A serious budget app that does not feel like homework.
Keep everyday money moves quick, then go deeper into the plan, receipt, debt or chart when the detail is actually useful.
Make a plan.Built around your payday.
Keep it current.Enter, scan or import.
YOUR MONEY, CONNECTED
01 · FLEXIBLE BUDGET PLANNER
A budget built around the way you are paid.
Plan by week, fortnight, month or year, then organise the detail into groups and line items that make sense to you. VULT gives structure without forcing everyone into the same template.
Explore feature →02 · RECEIPT SCANNER
Scan the receipt. Keep the useful detail.
Scan a receipt into an editable transaction, check the merchant and total, and keep the item detail for a clearer view of your spending.
Explore feature →
03 · PDF AND CSV IMPORT
Import a statement, and check it landed.
VULT reads a PDF or CSV statement as the table it is, then checks the result against the statement's own closing balance, so a short import is reported.
Explore feature →04 · DEBT PAYOFF PLANNER
Turn a debt total into a path back to zero.
Compare avalanche, snowball and your own payoff order, then see the projected time and interest instead of choosing a strategy by name alone.
Explore feature →
05 · SAVINGS GOALS
Give the next dollar somewhere useful to go.
Set a target, link it to the accounts you track in VULT and see your progress as you save.
Explore feature →
06 · EXPENSE AND SPENDING TRACKER
See the pattern behind the total.
Log a move quickly, then explore spending by budget group, line item, receipt group or product. VULT keeps the simple answer first and the deeper answer close by.
Explore feature →
EXPLORE VULT
Your money.
All in one place.
See how your budget, spending and savings goals fit together. Choose a feature to take a closer look.
Shown with sample amounts.
VULT / OVERVIEW
Your whole picture. At a glance.
Money in, money out and what is left to spend, together with your spending breakdown.
Explore the featureTHE COMPLETE WORKSPACE
One product, four useful jobs.
Plan your budget, record purchases, understand your spending and keep building the habit.
Track
- Quick expense, income and transfer entry
- Recent-move shortcuts
- Receipt scanning and item allocations
- PDF and CSV statement import
Understand
- Cumulative spending and projections
- Cash flow and income rhythm
- Wealth and net position
- Group-to-product drill-down
Keep going
- XP, levels and achievements
- Money Checks about your own figures
- Streaks and a 60-stage tree
- Private household budgets and chat
FINANCE MANAGER
Ask your budget a question.
Ask about spending, cash flow, goals or debts, get help finding a feature, or ask about a selected purchase. Finance Manager uses the information saved in VULT and adds a chart when it helps.
How to use it
- Open More → Chat → Finance Manager, or Chat in the desktop navigation.
- Ask a question or use @manager in a household conversation.
- For an expense or income draft, choose Review and add. Check or edit the details before saving.
Your private thread keeps the latest 60 messages and up to 12 remembered preferences, goals, routines or constraints. Start a fresh thread to clear both. Private memory stays out of household chats.
Signed-in members get 30 successful replies per local day. AI responses can be wrong; check the figures. General information only, not personal financial, tax, credit or investment advice.
FORTNIGHTLY BUDGETS
Make payday the starting point.
Choose a weekly, fortnightly, monthly or yearly plan. For a fortnightly budget, set your payday anchor so the plan follows your pay cycle rather than the start of the month.
How to use it
- Set your budget period and fortnightly payday anchor in settings.
- Use Plan for budget groups, line items, goals, debts and the bill calendar.
- Choose whether recurring entries post automatically with Auto-post.
Recurring entries are records in your budget. VULT does not move money between bank accounts.
RECEIPT INBOX
Capture now. Check the details later.
Open Add, choose Expense, then Scan a receipt. Use Camera or Photo, review the merchant, date, total and items, and correct anything before saving. Receipts captured for later wait in the Receipt inbox on Overview.
How to use it
- Capture the whole receipt.
- Return to Overview → Receipt inbox to review a pending receipt.
- Check the recognised details and save or dismiss it.
Processing depends on the platform and scan flow. Cloud-assisted and onboarding scans can send receipt images for processing; see the privacy information.
PDF MONEY REPORTS
Take the bigger picture with you.
Export a PDF with this month’s money in, money out and net flow, a spending breakdown, six months of cash flow and budget progress. The report also includes accounts, goals, recurring money, debts, transactions and receipt items.
How to use it
- Open Profile and find the export controls.
- Choose PDF for a visual money report or CSV for spreadsheet work.
- Review the file before sharing: it contains your financial information.
Exports reflect the entries saved in VULT. They are not certified accounting or tax reports.
CLEAR BOUNDARIES
What VULT is not.
VULT does not connect to financial institutions or ask for online-banking credentials.
The VULT Financial Score is an informational budgeting indicator, not a credit-bureau score.
Plans, estimates and projections are general tools that rely on the information you enter.
YOUR MONEY, ORGANISED
Make your money easier to return to.
Build the plan, see the pattern and keep the useful habits moving.