Take Control of Your Money. Privately.
Track spending, eliminate debt, and build wealth — without connecting your bank account. BudgetVault runs entirely on your device, encrypted end‑to‑end.
Free forever · No signup · Works offline
Money Health Score
82/100
Excellent
Improve
- Reduce dining spending
- Increase emergency savings
Your financial data stays yours.
Most budgeting apps read your bank feed and monetize your habits. BudgetVault doesn't — and can't.
Local‑first architecture
Every transaction, budget and note is stored in an encrypted IndexedDB vault on your device — never a remote server.
You own your data
Export encrypted backups anytime. Move devices, wipe, restore — you always hold the keys, literally.
AES‑256 + PBKDF2
Fields are encrypted with AES‑GCM‑256, keys derived via PBKDF2 (210,000 iterations) from your passphrase.
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.
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.
From first log‑in to financial freedom.
Four simple steps. Zero learning curve. All private.
- Step 01
Track Money
Log accounts, income and expenses in seconds.
- Step 02
Create Budgets
Give every dollar a job by category and period.
- Step 03
Pay Debt
Run a plan, watch balances fall, stay motivated.
- Step 04
Build Wealth
Fund goals automatically and grow net worth.
Questions, answered.
Everything about privacy and how BudgetVault fits into your life.
Your money, back in your hands.
Launch BudgetVault in your browser — it works instantly, offline, and forever free.