Vaultric

Every pound you earn already has somewhere to be — rent, loans, food, savings. Vaultric makes that visible before you spend a single penny.

Most budgeting apps show you where money went. Vaultric starts with where it has to go.

Your loan repayments and credit commitments are deducted from your income first — automatically — so your budget is built on what you actually have left to allocate. No more budgeting with money that isn't really available.

ZERO-BASED BUDGETING Give every pound a job. Allocate your remaining income across Pots, savings goals, and discretionary spending until the bar reads zero. You'll know exactly when your finances are balanced.

LOAN & CREDIT TRACKER Track all your loans and credit cards in one place. See outstanding balances, monthly payments, and months remaining. Vaultric deducts these automatically from your allocatable income — the only budgeting app that treats debt as a first-class commitment.

POTS & SAVINGS GOALS Set up savings pots for anything — emergency fund, holiday, new car. Track progress against targets. Your Safety Net pot is calculated and maintained automatically based on your monthly expenses.

CASH RUNWAY See exactly how many months your savings can sustain your lifestyle. Real-time runway tracking based on your actual burn rate — so you always know how much breathing room you have.

NET WORTH DASHBOARD Your complete financial picture in one number. Cash, investments, pensions, property — minus loans and credit balances. Updated every time you open the app.

PENSION & INVESTMENTS Track your pension contributions and investment portfolio alongside your everyday finances. See how your long-term wealth is growing, not just your monthly spending.

FINANCIAL FORECAST Project your finances months into the future. Understand how consistent saving, debt repayment, and spending habits compound over time.

AUTOMATIONS Set up standing orders and automated allocations so your money moves itself on payday. Your financial system should run without you having to think about it.

MULTI-CURRENCY Manage finances in multiple currencies. Perfect for expats, frequent travellers, and anyone with overseas accounts or income.

Vaultric is free to download. Vaultric Pro unlocks advanced features including unlimited pots, investment tracking, and financial forecasting. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel your subscription in your Apple ID account settings.

Vaultric is a personal finance tracking and planning tool. It does not provide regulated financial advice. All projections and forecasts are for illustrative purposes only and should not be relied upon as predictions of future financial performance. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/