VaultKeeper: AI Money Tracker
Budget, Net Worth & Bank Sync
Only for iPhone
Free · In‑App Purchases
iPhone
See every account, budget, and your full net worth in one private place. Ask AI about your money—grounded in your real transactions. No ads. No data selling.
VaultKeeper is a private, AI-assisted money tracker for individuals and families.
Track spending across every account you own. Sync your bank accounts via Plaid. Share finances with household members. Ask AI about your money — grounded in your actual wallets and transactions (Premium). No ads, no tracking, no selling your data.
TRACK EVERYTHING IN ONE PLACE
• Checking, savings, credit cards, cash, investments — each with its own balance and currency
• Income, expense, and transfer transactions with category breakdowns
• Recurring / scheduled transactions with review-before-add confirmation
• Monthly and yearly stats with drill-down by category, wallet, and date range
• Full-text search across all transactions
• Import your history from another budgeting app (CSV)
• CSV export for your records or tax prep
• Face ID lock, and an option to hide balances automatically when you're away from home
BANK SYNC (PREMIUM)
• Connect your bank accounts via Plaid
• Automatic import of transactions and account balances
• Smart auto-categorization from your past transactions
• See investment account balances alongside everything else
• Sync all wallets with one tap, or per-wallet on demand
HOUSEHOLD SHARING (PREMIUM)
• Invite family members by email
• Everyone sees the same ledger in real-time
• Add or edit transactions from anyone's device
• Leave or remove members anytime
ASK AI (PREMIUM)
• "How much did I spend on groceries last month?"
• "Which subscriptions am I paying for, and what do they cost me a year?"
• "Show me my net worth over time"
• Answers come with real charts you can tap to inspect, and can filter your ledger or export a CSV for you
• Grounded in your actual wallets, transactions, and categories — not a generic chatbot
• Zero-data-for-training with Anthropic's Claude
• Session-only conversations, fully consent-gated
PRIVACY FIRST
• No ads, ever
• No behavioral tracking, no third-party analytics — the only diagnostics we collect are crash reports (Firebase Crashlytics)
• No selling your data
• Face ID / Touch ID lock
• Optional two-factor authentication (TOTP)
• Encrypted in transit (TLS) and at rest
• Complete account deletion available from Settings
• Open policy documentation
PREMIUM SUBSCRIPTION
Unlock bank sync, household sharing, AI assistant, and unlimited wallets.
• Monthly — $5.99
• Yearly — $49.99 (with a 7-day free trial)
AI assistant usage is subject to a monthly fair-use allowance, shown as a usage bar in Settings.
Free tier includes manual tracking with up to 5 wallets, unlimited categories, and full transaction history — enough to get the hang of it.
Subscriptions auto-renew and are managed through your Apple ID. Cancel anytime from iOS Settings → Apple ID → Subscriptions.
Website: https://vaultkeepermoney.com
Privacy Policy: https://vaultkeepermoney.com/policies/privacy
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Questions? Email info@vaultkeepermoney.com
Sharing your money with someone in your household is much easier to set up.
• Invite a member in two steps — send the invite, then share a link. The link works even if they have never installed VaultKeeper.
• Invitations arrive as a proper message rather than a bare web address, so it is clear who is inviting and what it is for.
• Tapped an invite link before installing the app? Paste it into Settings › Family Sharing › Join with a link and you will still join.
• The people in your household are now listed in Settings, alongside your bank connections.
Fixes
• Bank balances now reconcile directly with your bank the moment you connect an account, so a newly linked wallet shows your real balance right away — not just recent activity.
• Fixed an issue where some accounts (health savings accounts in particular) could display a balance lower than the actual amount.
• Sharing an invite no longer leaves a blank space at the bottom of the screen.
The developer, Sinkoff LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Sinkoff LLC
- Size
- 30.9 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- VaultKeeper Premium (Yearly) $49.99
- VaultKeeper Premium (Monthly) $5.99
- Copyright
- © 2026 Sinkoff LLC
