Take Control of Your Money. Privately.
Track spending, eliminate debt, and build wealth — without connecting your bank. BudgetVault runs entirely on your device, encrypted end‑to‑end.
Free forever · No signup · No bank login · Works offline
Money Health Score
82/100
Excellent
Improve
- Reduce dining spending
- Increase emergency savings
Budget apps shouldn't read your bank statements.
The category was built on a bargain: hand over your bank credentials and transaction history, and we'll help you budget. That bargain is broken. Your financial data gets aggregated, analyzed, and — often — sold.
BudgetVault is what a budgeting app looks like when you flip the model: your device is the server. There is no cloud to breach, no account to hack, no company that can ever see your money.
You are the only user
No accounts, no emails, no sign‑in. Your device holds the keys.
No servers to breach
There is no BudgetVault cloud. There's nothing to leak.
Instant, always
Local reads are microseconds. No spinners waiting on an API.
Everything to run your money. Nothing that leaks it.
A complete personal finance toolkit — built for people who take privacy seriously.
Budget Tracking
Set envelopes, monitor category spend in real time, and get gentle nudges before you overspend.
Debt Payoff Planner
Snowball and Avalanche side‑by‑side. See months saved, interest crushed, and your debt‑free date.
Savings Goals
Automate weekly or monthly contributions toward the moments that matter — no willpower required.
Financial Reports
Beautiful, honest charts of income, spending trends, net worth and category breakdowns.
Recurring & Subscriptions
Track every recurring payment. Cancel silent budget-drainers before they renew.
Offline Mode
Airplane, subway, cabin in the woods — BudgetVault works everywhere. No sync required.
PIN & Biometric Lock
A second gate for prying eyes. Optional PIN or Face/Touch ID unlock on supported devices.
Net Worth & Insights
Watch assets grow and liabilities shrink. Weekly insights that respect your attention.
From first log‑in to financial freedom.
Four simple steps. Zero learning curve. All private.
- Step 01
Install & Unlock
Add BudgetVault to your device. Create a passphrase — that's your only key.
- Step 02
Set Up Accounts
Add cash, checking, savings, cards. No bank login. Ever.
- Step 03
Track & Budget
Log spend in seconds. Give every dollar a job by category.
- Step 04
Grow Wealth
Crush debt, fund goals, watch net worth climb — all on your device.
Built like a vault. Because it is one.
The same primitives that protect password managers, protecting your money.
Local‑first architecture
Every transaction, budget and note is stored in an encrypted IndexedDB vault on your device — never a remote server.
AES‑256‑GCM encryption
Amounts and notes are encrypted with authenticated AES‑GCM‑256. In passphrase mode the key is derived with PBKDF2‑SHA‑256 at 210,000 iterations; row metadata such as dates and category names is stored unencrypted so the app can index it.
No server to trust
There is no BudgetVault account or backend holding your records, so there is nothing for us — or anyone else — to hand over. Your keys stay in this browser's storage.
Airgap‑capable
Cut the wifi. BudgetVault keeps working. Nothing to sync means nothing to intercept.
Clean, calm, and built for real financial focus.
Every screen is designed to reduce anxiety and reveal what actually matters this month.
Claims you can check yourself — no reviews we can't prove.
No account, ever
There is no sign-up, no email, no password reset. Open the app and start — your vault is created on this device.
No bank connections
BudgetVault never asks for banking credentials and has no integration that could read your statements. You enter what you choose to track.
No analytics, ads or trackers
No third-party scripts, no telemetry, no remote fonts. You can verify this in your browser's network tab — it stays empty.
BudgetVault collects no usage data, so we publish no user counts, star ratings or testimonials.
A different bargain.
How BudgetVault stacks up against apps that require your bank credentials.
Questions, answered.
Everything about privacy and how BudgetVault fits into your life.
Your money, back in your hands.
Install BudgetVault on your device — free, private, and offline forever.
Install BudgetVault
Access your private financial command center anytime.
Install from your browser menu
Open the browser menu and choose Install BudgetVault or Add to Home Screen.