BudgetVault is a privacy-first envelope budgeting app that keeps your financial data on your device. No accounts. No cloud servers. No subscriptions. Just you and your money.
ENVELOPE BUDGETING MADE SIMPLE
Allocate your income into categories and track every dollar with visual envelope cards. See exactly where your money goes with color-coded spending health indicators.
LIGHTNING-FAST EXPENSE ENTRY
Log expenses in seconds with a custom number pad. Build consistency with daily streaks and milestone achievements.
ON-DEVICE ML INSIGHTS (Premium)
Real machine learning running entirely on your device. Spending predictions, anomaly detection, pattern classification, and category forecasts — powered by statistical models, not cloud APIs.
CHARTS & HISTORY
Beautiful charts show spending trends, category breakdowns, heatmaps, and month-over-month comparisons. Search and filter your full transaction history.
DEBT & NET WORTH TRACKING (Premium)
Track credit cards, loans, and student debt with payment history. Monitor your net worth with asset and liability snapshots over time.
PRIVACY BY DESIGN
Zero-knowledge architecture. No analytics SDKs. No tracking. No accounts to create. Your financial data stays on your iPhone and nowhere else. Optional iCloud sync goes only to your personal iCloud account.
FREE FEATURES
- Envelope budgeting with 4 categories
- Quick transaction entry with number pad
- Daily streak tracking with achievements
- Basic spending charts
- 30-day CSV export
- 3 recurring expenses
- Biometric lock (Face ID / Touch ID)
- Budget templates
PREMIUM (one-time $9.99)
- Unlimited categories & recurring expenses
- ML spending predictions & anomaly detection
- Full CSV import/export (YNAB compatible)
- Historical charts & spending heatmaps
- Debt tracking & net worth dashboard
- Streak freeze (1 per week)
- Theme customization
- Family Sharing included
Pay once. Use forever. No trials, no recurring charges.
Ratings & Reviews
This app hasn’t received enough ratings or reviews to display an overview.
Bug fixes.
Version 3.3.1
The developer, ZACHARY CANCIANO GOLD, 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 Not Collected
The developer does not collect any data from this app.
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
ZACHARY CANCIANO GOLD
Size
8.2 MB
Category
Finance
Compatibility
Requires iOS 18.0 or later.
iPhone Requires iOS 18.0 or later.
Mac Requires macOS 15.0 or later and a Mac with Apple M1 chip or later.
