Vault Savings and Retirement

Net Worth & Retirement Planner

Most savings apps tell you what you spent. Vault shows you where you're going.

Log your savings, retirement accounts, brokerage, HSA, and more in one place. See your real balance history, track your growth over time, and let compound interest quietly do its work in the background.

Vault's forecast is where saving starts to click. Project your balance one year, five years, or thirty years out, then see exactly how much came from your deposits versus how much grew on its own. That simple breakdown makes the payoff of saving easy to feel and a lot harder to ignore.

Want to see what a change actually does? The simulator lets you test a higher contribution or a different rate of return without touching your real numbers, then shows the difference side by side. And every projection can switch to today's dollars, so growth thirty years out still means something you can feel.

The retirement planner uses Fidelity's published age benchmarks for an honest readiness score. The Social Security estimator runs the actual SSA formula - enter your income and years worked, add a spouse or a pension, pick your claim age, and see your real estimated benefit. The spending simulator shows how long your money lasts at different withdrawal rates, and flags when you go above the 4% guideline.

None of this needs a bank connection. Your data lives on your device and nowhere else. No account. No ads.