🏴󠁧󠁢󠁳󠁣󠁴󠁿 Built for UK & Scottish households

Your household finances, calculated correctly

Most finance apps use English tax rates for everyone. VAULT uses the right numbers — Scottish income tax bands, NHS pension modelling, the personal allowance taper. Your figures, not an approximation.

Open the app → See what's inside

No account required to start · Works offline · Your data stays on your device

VAULT.

v3.2.0 · 2025/26

Dashboard

£3,480

Monthly net

£1,245

This month spend

£184k

Projected pot

£12.4k

Total debt

Scottish Tax · 2025/26

Gross: £55,000 · Take-home: £39,840

Starter (19%)£385

Intermediate (21%)£838

Higher (42%)£6,279

FIRE projection · Age 57

£485k

Projected at 57

£19.4k

Safe withdrawal/yr

What's inside

Everything a UK household actually needs

Built to cover the full financial picture — tax, pensions, debt, spending, savings goals, and retirement planning — in one offline-first app.

🏴󠁧󠁢󠁳󠁣󠁴󠁿 Correct Scottish income tax

Scotland has six income tax bands. England has three. VAULT applies the right bands for your postcode, including the personal allowance taper above £100k and the effective 60% trap between £100k–£125k. No other consumer finance app handles this correctly by default.

Scottish Tax Bands 2025/26

Starter band19%

Basic rate20%

Intermediate21%

Higher rate42%

Advanced45%

Top rate48%

Scotland

🧾

Full Scottish tax engine

All six Scottish bands plus NI, student loan plans 1/2/4/PG, the £100k PA taper, and salary sacrifice vs personal pension NI treatment. Updated each April.

NHS

🏥

NHS pension modelling

Models the 1995, 2008, and 2015 CARE NHS schemes with correct accrual rates, lump sum calculations, and projected annual pension. Works alongside a partner's DC or other DB scheme.

Retirement

🔥

FIRE calculator

Projects your investment pot to your target retirement age with configurable growth rates and safe withdrawal calculations. Shows the combined household retirement income picture.

Privacy

🔒

Offline-first. Your data stays yours.

Everything runs in your browser. All data is stored locally on your device. Cloud sync is optional — you choose whether your data leaves your machine.

Budget

💳

Budget & spending tracker

Log transactions, set category budgets, track recurring spend, import bank CSV files (Monzo, Starling, HSBC, Barclays), and view month-by-month history.

Debt

📉

Debt elimination planner

Avalanche and snowball payoff strategies, credit card promo rate countdown timers, mortgage shared equity tracking, and consolidated debt timeline visualisation.

📱

Install it. Use it anywhere. No signal needed.

VAULT is a Progressive Web App. Install it from your browser to your phone home screen and it works completely offline. No app store. No subscription required to use the core features. No ads. Ever.

Pricing

Free to use. Pro for power users.

The core app — tax calculations, budgeting, debt planning, FIRE projections — is completely free. Pro unlocks AI analysis and premium features.

Free

^£0

forever

✓ Scottish & UK income tax calculator
✓ NHS pension modelling (all 3 schemes)
✓ FIRE / retirement calculator
✓ Monthly budget & spend tracking
✓ Debt elimination planner
✓ Fixed outgoings, sinking funds, goals
✓ Offline-first PWA — no account needed
✓ CSV import (Monzo, Starling, HSBC, Barclays)
○ AI financial review
○ Cloud sync & cross-device access
○ Annual rollover & year archive

Open app →

No sign-up required

Common questions

Yes. The core app stores everything in your browser's local storage — nothing is sent anywhere. If you choose to enable cloud sync (a Pro feature), your data is encrypted in transit and stored in your personal Supabase-backed account. You can export and delete your data at any time. We do not sell or share data with third parties.

Scotland has six income tax bands versus England's three, and the rates diverge significantly above £27,000. A Scottish higher-rate taxpayer paying 42% (not 40%) sees a meaningful difference in take-home pay calculations. If your app doesn't account for this, every take-home figure, pension contribution optimisation, and FIRE projection is slightly wrong — and those small errors compound over time.

Yes. VAULT is built around a two-person household model. Each person has their own income, tax code, pension type, and student loan plan. The combined view shows household net income, combined retirement projections, and shared debt progress. Person names are fully configurable.

All three: the 1995 section (final salary, 1/80th accrual, automatic lump sum), the 2008 section (final salary, 1/60th, no automatic lump sum), and the 2015 CARE scheme (career average, 1/54th revalued annually). It calculates projected annual pension and lump sum at your chosen retirement age based on your current salary and years of service.

No. VAULT is a calculation and projection tool. It uses the information you provide to calculate figures based on current tax rules and your inputs. Nothing in the app constitutes regulated financial advice. For advice on investments, pensions, or significant financial decisions, speak to a qualified financial adviser.

Yes — everything works without an account. Your data is stored locally in your browser. Create a free account only if you want to sync across devices or access cloud backup. You can start using the app right now by clicking "Open the app" above.