VAULT · Household Finance

VAULT.

JM

VAULT.

Household Finance

JM

Your Household

2025/26 · Personal

Main

Money

Future

Tools

Loading overview... Complete Setup to see your financial picture here.

Welcome to VAULT — set up your household once

All panels auto-populate from this data. Revisit Setup any time to update figures.

Person 1's income

Name (optional)

Gross annual salary (£)

Tax code

Jurisdiction

Pension contrib (£/yr)

Salary sacrifice (£/yr)

Student loan

Person 2's income

Name (optional)

Gross annual salary (£)

Tax code

Jurisdiction

Pension contrib (£/yr)

Salary sacrifice (£/yr)

Student loan

Property & mortgage

Purchase price (£)

Purchase year

Appreciation %/yr

Mortgage balance (£)

Mortgage rate (%)

Monthly payment (£)

Fix ends (months)

Remaining term (yrs)

Shared equity loan (£)

SE margin over BoE (%)

SE years held

Children

Child name

Age

Childcare £/mo

Savings & investments

Emergency fund (£)

ISA balance (£)

Other savings (£)

Pensions

Person 1's current pot (£)

Person 1's employer %

Person 2 pension type

Payday & trading allowance

Payday (day of month)

Trading income YTD (£)

Tax & Income

Scottish and rUK tax per person. Payslip breakdown, trap detection, and optimisation.

Person 1

Person 2

£100k trap & escape calculator

Salary sacrifice optimiser

Windfall / bonus calculator

Bonus / windfall amount (£)

Scottish vs rUK comparison

Benefits checker

£1,000 trading allowance tracker

Monthly Budget

Set category budgets. Log spending weekly. Track against targets.

Quick add transaction

Date

Category

Amount (£)

Note (optional)

Save as monthly recurring transaction

Search & filter

Search note or category

Category

Fixed Outgoings

Regular monthly costs — mortgage, subscriptions, insurance, direct debits.

Add fixed outgoing

Category

Amount £/mo

Description

Day of month

Credit Card Intelligence

0% periods tracked. Balance transfers modelled. Promo expiry alerts.

Add a credit card

Card name

Balance (£)

Standard rate (%)

Promo rate (% / 0)

Promo type

Promo end

Min payment £/mo

BT fee paid (%)

Debt Engine

All debts. Exact payoff dates. Avalanche strategy. Surplus deployed automatically.

Add a debt

Name

Type

Balance (£)

Rate (%)

Min payment £/mo

FIRE Calculator

Financial Independence Retire Early. Your number, how far away, what it takes.

Annual spend in retirement (£)

Safe withdrawal rate (%)

Investable assets (£)

Monthly investment (£)

Expected return (%)

Current age

Investments & Dividends

ISA vs taxable. Dividend allowance. Tax modelled per jurisdiction.

Dividend income (£/yr)

Capital gains (£/yr)

Inside ISA (£/yr)

Jurisdiction

Pensions

DC pension for Person 1. Person 2's pension. Combined retirement projection.

Defined contribution pension

Current pot (£)

Your % of salary

Employer %

Age

Retirement age

Growth rate (%)

Savings Goals

Specific targets with progress tracking. Connected to your monthly surplus.

Add a goal

Goal name

Target (£)

Already saved (£)

Monthly contribution (£)

Priority

Monthly Review

Capture your position each month. Track net worth over time.

This month's check-in

Month

Income received (£)

Total spent (£)

Savings / invested (£)

Net worth now (£)

Financial mood this month

Notes

Financial Timeline

All upcoming financial events across the next 24 months, in date order.

Sinking Funds

Annual costs spread monthly. No more "surprise" bills.

Add annual cost

Name

Annual cost (£)

Due month

Category

Insurance Tracker

Renewal dates monitored. 60-day alerts. Never auto-renew without shopping around.

Add insurance policy

Policy name

Type

Annual premium (£)

Renewal date

Subscription Audit

Every subscription listed. True monthly cost shown. Spot what to cut.

Add subscription

Name

Cost (£)

Billing

Category

Last used

Purchase Impact Calculator

What does buying something actually cost in real terms?

Purchase amount (£)

Salary CalculatorTax, NI, and net pay across all salary points.

Settings

Theme, data export/import, cloud sync, preferences.

Appearance

Choose your VAULT theme. Changes apply instantly across the whole app.

Your theme preference is saved automatically.

Data export & import

How to use across devicesExport on your main device → send the JSON file to yourself → open VAULT on the other device → Import.

Cloud sync

Cloud sync not configured yet.

Sign in to back up your data to the cloud and access VAULT on multiple devices.

Email

Password

I accept the Privacy Notice. I understand VAULT stores my financial data locally and optionally in my personal cloud account.

Recommended setupUse the same account on each device. VAULT saves locally first, then syncs to the cloud in the background.

Security

Checking security posture...

AI Assistant

Claude API key noteDo not store a Claude API key directly in this static frontend. Use the AI review pack in Monthly Review instead.

Preferences

Bank of England base rate (%)

Payday (day of month)

Change Log

Privacy & Data

What data VAULT holds VAULT stores all financial data you enter locally in your browser's localStorage. Nothing is sent to any server unless you choose to sign in and enable cloud sync.

Cloud sync (optional) If you create an account and sign in, VAULT syncs your data to a private Cloudflare-hosted database associated with your email. Data is encrypted in transit (TLS) and only you can access it via your authenticated account.

Not financial advice VAULT is a calculation and planning tool. Nothing in this app constitutes financial advice. Always consult a qualified adviser for significant financial decisions.

Danger zone

VAULT · Tax year 2025/26 · Data stored locally · Private by default

More Tools

Setup

FIRE

Invest

Pension

Goals

Cards

Outgoings

Review

Timeline

Sinking

Insurance

Subs

Purchase

Salary

Dashboard

Settings

👋 Welcome to VAULT

Takes about 2 minutes. We'll calculate your take-home pay and financial health score straight away.

Your name (optional)

Your gross annual salary (£)

Tax region

Add a second person (partner / household member)

🏠 Do you have a mortgage?

Optional — VAULT tracks your property equity and when your fix ends.

Yes, I have a mortgage

🎉

You're all set!

VAULT has calculated your take-home pay, net worth, and financial health score. Explore the tabs below — everything updates as you add data.

Quick Edit