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Your Household
2025/26 · Personal
Main
Money
Future
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VAULT · 2025/26 · v4.0.0 · Private by default
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
Person 2's income
Property & mortgage
Children
Savings & investments
Pensions
Payday & trading allowance
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
Scottish vs rUK comparison
Benefits checker
£1,000 trading allowance tracker
Child Benefit (HICBC)
High Income Child Benefit Charge — 2024/25 rates. Taper: 1% per £200 between £60k–£80k.
Monthly Budget
Set category budgets. Log spending weekly. Track against targets.
Quick add transaction
Search & filter
Fixed Outgoings
Regular monthly costs — mortgage, subscriptions, insurance, direct debits.
Add fixed outgoing
Credit Card Intelligence
0% periods tracked. Balance transfers modelled. Promo expiry alerts.
Add a credit card
Debt Engine
All debts. Exact payoff dates. Avalanche strategy. Surplus deployed automatically.
Add a debt
FIRE Calculator
Financial Independence Retire Early. Your number, how far away, what it takes.
Investments & Dividends
ISA vs taxable. Dividend allowance. Tax modelled per jurisdiction.
Pensions
DC pension for Person 1. Person 2's pension. Combined retirement projection.
Defined contribution pension
Savings Goals
Specific targets with progress tracking. Connected to your monthly surplus.
Add a goal
Monthly Review
Capture your position each month. Track net worth over time.
This month's check-in
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
Insurance Tracker
Renewal dates monitored. 60-day alerts. Never auto-renew without shopping around.
Add insurance policy
Subscription Audit
Every subscription listed. True monthly cost shown. Spot what to cut.
Add subscription
Purchase Impact Calculator
What does buying something actually cost in real terms?
Salary CalculatorTax, NI, and net pay across all salary points.
Settings
Theme, data export/import, cloud sync, preferences.
Stay in the loop
You're on the free beta. Leave your email to be notified when the paid plan launches — no spam, unsubscribe any time.
✓ Saved — we'll email you when VAULT Pro launches.
Secondary currency
Show a second currency alongside £ on the Overview. Useful if you hold savings or income in a foreign currency.
Transaction categories
Add custom categories for your transactions. Defaults are always available.
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.
Financial reminders
Get browser notifications for ISA deadlines, mortgage fix expiry, and payday.
Cloud sync
Cloud sync not configured yet.
Sign in to back up your data to the cloud and access VAULT on multiple devices.
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
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
Self-Assessment Tax Estimator
SA302 estimate — employment, self-employment, rental, savings, dividends. 2025/26.
Your income sources
Deductions
Salary Sacrifice Optimiser
Model the tax and NI savings from pension salary sacrifice. Escape 40% band, £100k trap, or custom target.
Configure
Capital Gains Tax Tracker
Log asset disposals, track your £3,000 annual exempt amount, estimate CGT owed. 2025/26.
Add disposal
Inheritance Tax Estimator
Estimate your IHT exposure. Nil rate band, RNRB, spouse exemption, 7-year gift rule. 2025/26.
Estate details
0–3 yrs: full charge · 3–7 yrs: taper relief · 7+ yrs: exempt
What-If Scenario Modeller
Compare two financial scenarios side by side — take-home, savings, net worth, FIRE timeline.
Scenario A
Scenario B
LISA Tracker
Lifetime ISA — 25% government bonus on up to £4,000/year. First home or retirement use only.
Your LISA
Connect Your Bank
Open Banking — automatic transaction import, no more CSV. Coming soon.
Bank connections
Coming in a future updateOpen Banking via TrueLayer will let VAULT pull your transactions automatically. Tap a bank below to register interest.
Tax Year-End Checklist
April 5th deadline actions for 2025/26
More Tools
Setup
FIRE
Invest
Pension
Goals
Cards
Outgoings
Review
Timeline
Sinking
Insurance
Subs
Purchase
Salary
Dashboard
LISA
Open Banking
Settings
👋 Welcome to VAULT
Takes about 2 minutes. We'll calculate your take-home pay and financial health score straight away.
🏠 Do you have a mortgage?
Optional — VAULT tracks your property equity and when your fix ends.
🎉
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