Vault Finance

A finance tracker that never phones home

2 followers

A finance tracker that never phones home

2 followers

Vault is a private finance app that stays on your device. No cloud, no tracking, no bank credentials — your data literally never leaves your iPhone. Built after Mint shut down and every "alternative" asked for Plaid bank logins. That felt backwards. Inside: • Budgets, recurring bills, CSV import • Investment tracking — stocks, crypto, dividends, live prices • Net worth history with monthly snapshots • Multi-currency • On-device receipt scanner • AES-256 encrypted backups you own

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Launch tags:iOS•Productivity•Personal Finance

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Maker

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I built Vault because after Mint shut down, every "alternative" asked for my bank credentials before I'd even seen the UI. The same pattern that just collapsed at a $100B company, being repeated by its replacements. Vault has no backend. No analytics either — I genuinely don't know how many people launched the app today, and I think that's how finance apps should work. You type your balances in yourself (takes about 10 seconds a month), and in exchange your data literally never leaves the device. Tech choices for anyone curious: • SwiftUI + Core Data (not SwiftData — still too many gaps in iOS 17) • AES-GCM + PBKDF2-SHA256 (210k iterations) for encrypted backups • StoreKit 2 with offline entitlement caching (so Pro users don't get downgraded on airplane mode) • Multi-currency FX conversion — started USD-only, retrofitted this across 12 view models, would absolutely design it in from day one next time Biggest tradeoff: no automated bank-transaction sync via Plaid. That's intentional — the price of zero cloud surface area. Happy to answer anything — tech, positioning, pricing, or why I didn't build this cross-platform. Feedback especially welcome from people who've tried Monarch / Copilot / YNAB.

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4mo ago

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4mo ago