Vault Savings & Retirement

See what your money becomes. Project your net worth 30 years out, run what-ifs, and check your retirement readiness - offline, no bank login.

Net worth, retirement, and compound growth - all offline.

Most savings apps tell you what you spent. Vault shows you where you're going.

Track every account in one place: 401(k), Roth IRA, HSA, brokerage, pension, and plain savings. See your real balance history, watch your growth over time, and let compound interest quietly do its work in the background.

FORECAST YOUR FUTURE BALANCE Project one year, five years, or thirty years out - then see exactly how much came from your deposits versus how much grew on its own. That breakdown is where saving starts to click. Every projection can switch to today's dollars, so a number thirty years out still means something you can feel.

SIMULATE ANY CHANGE Test a higher contribution or a different rate of return without touching your real numbers, and see the difference side by side. Answer "what if I saved $200 more a month?" in about ten seconds.

RETIREMENT READINESS SCORE Vault scores your progress against published age-based savings benchmarks, so you get an honest read on where you stand instead of a vague thumbs-up.

REAL SOCIAL SECURITY ESTIMATES The estimator runs the actual SSA formula. Enter your income and years worked, add a spouse or a pension, pick your claim age, and see your real estimated benefit - not a rounded guess.

MAKE IT LAST The withdrawal simulator shows how long your money lasts at different spending rates and flags when you cross the 4% guideline.

PRIVATE BY DEFAULT No bank connection. No account. No ads. No tracking. Your data lives on your device and nowhere else.

Whether you're chasing FIRE, catching up in your 40s, or just want one clear number for your net worth - Vault turns saving from a chore into something you can actually watch pay off.