Salary in at 9:41. Sorted by 9:42.
Vault reads every account you own, pays your goals and bills on their dates, and leaves one number on the screen: what you can spend today without borrowing from next month.
Not a bank.
Your money stays in the accounts you already have. Vault reads them and schedules what you approve.
Not a broker.
Your funds are held in your name at the fund house. Delete Vault and they are still there.
Not free.
₹149 a month, so nobody at Vault has a reason to sell you a loan, a card or a fund.
₹62,000 arrives. For about a minute it's all yours.
This is the most dangerous minute of the month. Everything looks affordable at 9:41.
Goals get paid first, before you can negotiate with yourself.
Two funds, PPF, the emergency buffer and Goa. ₹13,500 gone by 9:42, which is the point.
The fixed things leave on their own dates.
Rent on the 2nd, ₹6,000 to Maa on the 3rd, the bike EMI on the 5th. You approved each once. You don't need to remember any of them again.
What's left is yours. ₹683 a day.
Chai, petrol, a film, the shoes you've been looking at. Spend less today and tomorrow gets more. Spend more and Vault tells you which day pays for it.
On the 30th there's ₹1,240 left over. It goes to Goa.
Nothing sits idle in a savings account at 2.7%. Then it's the 1st again.
Try it on your own salary.
Five numbers. Inside the app Vault reads these from your accounts; here you type them.
A goal is a number and a date. Everything else is a mood.
Pick one. Vault works out the monthly amount and takes it on salary day, so the goal is funded before the month can argue.
- Target on the date
- You put in
- Growth does
The 1% you never see.
Most investing apps cost nothing because the fund pays them a slice of your money every year, for as long as you stay invested. It never appears as a charge. It appears as a smaller number in twenty years.
Assumes the same fund returning 12% a year before the commission. Regular plans of equity funds usually cost about 0.5 to 1 point more each year than the direct plan of the same fund. Figures are illustrative.
A card that only knows about spending money.
The Vault card carries today's free-to-spend amount and nothing else. Rent can't leak into a sale. Savings can't fund a weekend. Try a few payments.
Pay for something
A live card would be issued with a partner bank, named on this page and on the card. This demo names none.
On the 30th you get a letter, not a dashboard.
One page. What came in, what went where, and three things worth knowing. No pie chart of your own groceries.
- In
- ₹62,000
- Goals paid on the 1st
- ₹13,500
- Fixed six payments, all on time
- ₹28,000
- Spent 61 payments
- ₹19,260
- Left over
- ₹1,240
- moved to Goa, December
Three things
- You paid ₹1,347 for four subscriptions. You use one of them.
- The account from your first job still holds ₹8,912. It earned ₹241 in a year. In the liquid fund you already own it would have earned about ₹620.
- The bike EMI ends in March. That's ₹4,300 a month with nowhere to go yet. Tell us before April does.
What Vault can do, line by line.
Every money app says it is secure. This is the list of what this one is allowed to touch.
Can
- Read balances and transactions in accounts you linkThrough an RBI-licensed Account Aggregator, with your consent, for a period you choose.
- Run payments you approved onceEach is a UPI Autopay mandate with its own cap. You set the cap, not us.
- Freeze your Vault cardWhen you ask, or when a payment looks nothing like you.
Cannot
- Move a rupee you haven't approvedThere is no "Vault balance". Money goes from your account to where you sent it.
- See your net-banking password or UPI PINVault never asks for either. If something calling itself Vault does, it isn't.
- Keep reading after you revokeConsent ends the same minute. Try it below.
Linked right now
A sample account. Revoke anything; the row goes dark and Vault stops seeing it.
- Salary account ··4471read · until 31 Mar
- Old account ··0932read · until 31 Mar
- Mutual funds, by PANread · 3 folios
- Old phonesigned in · last seen 212 days ago
That's the price list.
Includes GST. Your first two salaries are on us. ₹1,499 if you pay for the year, and ₹49 a month to add a spouse or a parent.
How Vault earns
- Your subscription ₹149
- A family member ₹49
Stop paying and tracking stays free: you keep the one view of every account and lose the autopilot.
How it doesn't
- Commission from mutual funds
- Selling you loans or credit cards
- Interest on money parked with us
- Ads, or your data sold to someone with ads
We open in batches, by salary date.
The 1st-of-the-month batch is the largest, so it opens first. Tell us when your salary usually lands and we'll message you the week before.
Asked before signing up
Does Vault hold my money?
No. Salary lands in your bank account and leaves from it. Funds are bought in your name at the fund house. The only balance with Vault's name on it is the card, which carries a day or two of spending money.
I freelance. There is no salary day.
Then Vault splits by percentage instead of date. Any credit above an amount you set counts as pay: a share goes to goals and a tax pot the same minute, and bills are covered from a buffer you fill in good months.
My rent is due before my salary arrives.
Common when pay lands on the 7th. Vault holds next month's early bills back from this month's spending money, so the rent is already sitting there on the 1st.
Will Vault tell me which fund to buy?
No. Vault runs the plan you set. Goals default to an index fund for long dates and a liquid fund for short ones, direct plans only, and you can change either. A live product would show its SEBI and AMFI registration here; this demo doesn't invent one.
What happens if I leave?
Cancel in the app. Your mandates stop, your funds stay where they are in your name, and you can download every month-end letter and the full ledger as a spreadsheet.
Which banks work?
Any bank that is live on the Account Aggregator network, which covers most large public and private banks. If yours isn't, you can forward its monthly statement and Vault reads that instead.