Your Money.
Under Control.
9:41
Safe to spend
$2,140
After upcoming expenses and savings.
Your vaults
MAIN
$4,200
TAX
$2,800
TRAVEL
$1,100
BUSINESS
$3,600
Card spends from
BUSINESS
Upcoming
Quarterly taxes
−$1,180
Subscriptions
−$320
Stripe payout
Wise transfer
Business account
Tax reserve
Personal card
Subscriptions
Client invoice
Savings goal
4.7 rating (based on 125 reviews)
Stay consistent with a system that fits into real life. Simple cards, clear routines, and gentle nudges help you build progress that lasts.
THE SYSTEM
One account. Every move your money makes.
Earn, spend, save, track and plan — without switching between five tools.
Stripe
PAYOUT · TODAY
+$3,200
Wise
TRANSFER · EUR
+$840
Invoice #241
PAID · MON
+$1,500
EARN IN ANY CURRENCY
Stripe, Wise, PayPal and bank transfers settle into one account. No more checking five dashboards to know what came in.
Figma
SOFTWARE · 9:12
−$15.00
BUSINESS
AWS
HOSTING · 11:40
−$42.10
BUSINESS
Groceries
CARD · 18:05
−$86.40
MAIN
SPEND WITH INTENT
Every purchase is tagged to a vault the moment it happens. Business stays business, personal stays personal.
$2,800
SET ASIDE THIS MONTH
TAX 28%
GOAL 12%
FREE 60%
Every Stripe payout
28% → TAX
1st of the month
$340 → GOAL
SAVE WITHOUT THINKING
Set the rule once. Vault moves money aside on every payment, so taxes stop being a surprise in April.
THIS MONTH BY CATEGORY
$1,007
SOFTWARE
$412
TRAVEL
$260
CONTRACTORS
$180
MEALS
$95
OTHER
$60
TRACK WHERE IT GOES
Expenses sort themselves by category and client. Your accountant gets a clean export instead of a folder of screenshots.
PROJECTED BALANCE
$16,240
SEP
TODAY
NOV
PLAN WHAT COMES NEXT
Vault reads your upcoming payments, subscriptions and goals to project what your balance will actually look like.
VAULTS
Your money was never one pile.
$11,700 sitting in the account. But $2,800 belongs to the tax office and $3,600 is already committed to the business. Vaults make that visible before you spend it.
Which is why Vault never shows you a balance. It shows you a decision.
TOTAL BALANCE
FOUR VAULTS
MAIN
Day to day
$4,200
Everything that isn’t assigned to another vault lands here. It’s the only money that moves without a rule attached to it.
RECENT
Stripe payout
+$3,200
Groceries
−$86.40
BUSINESS
Card source
$3,600
TAX
Locked until Sep 30
$2,800
TRAVEL
Goal · $3,000
$1,100
Create a vault
THE CARD
One card. Every vault behind it.
One physical interface to your entire financial life. Choose which vault it spends from — in the app, in a second, as many times as you like.
MAIN
MAIN
TAX
TRAVEL
BUSINESS
Spending from
MAIN
· $4,200 available
SWITCH ANYTIME — THE CARD NUMBER NEVER CHANGES
SAFE TO SPEND
A balance tells you what you have. This tells you what you can do.
SAFE TO SPEND THIS MONTH
Your bank shows
$11,700
Available in MAIN
$4,200
Quarterly taxes
−$1,180
Subscriptions
−$320
Goal transfer
−$340
Contractor payment
−$220
Safe to spend
$2,140
Recalculated every time money moves. No budget to maintain.
WHO IT’S FOR
For independent professionals earning $5,000–$30,000 a month — where managing it has become a job of its own.
Freelancers
Designers
Developers
Consultants
Creators
Agency Owners
Founders
Small Business Owners
Everything else asks you to compromise on one side or another.
Traditional banks
TOO COMPLEX
Neobanks
TOO BASIC
Expense apps
TOO FRAGMENTED
Accounting software
TOO BUSINESS-FOCUSED
Investment platforms
TOO SPECIALIZED
Vault®
SECURITY
Protected by default. Quiet about it on purpose.
Encrypted everywhere
Data is encrypted in transit and at rest, on every device, every time.
Funds held separately
Held with FDIC-insured partner banks, insured up to $250,000 — never on our balance sheet.
Yours alone
Two-factor authentication and device-level approval on every login and payout.
QUESTIONS
Before you ask, we already did.
Is Vault a bank?
No. Vault is a financial platform, not a bank. Your funds are held with FDIC-insured partner banks — the same setup covered under Security above.
What about my accountant?
Which currencies does Vault support?
How much does Vault cost?
What happens to my money if Vault shuts down?
Can I cancel anytime?
EARLY ACCESS
Your money is ready to make sense.
We’re onboarding independent professionals in small batches — starting with the US, UK and EU.
Free to start. No spam, no games — just a note when it’s your turn.
Vault®
Your money. Under control.
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