Philia Vault

Philia Vault is an educational financial simulation software designed to help users visualize their financial decisions and understand how they impact their future.

What it does:
Tracks your assets and liabilities — everything you own vs everything you owe.
Calculates your Net Worth in real-time.
Visualizes cash flow relative to monthly costs.
Measures your Financial Independence Index (FII / Financial Independence Index) — how much your asset income already covers your monthly living costs.
Simulates cash-flow scenarios to plan ahead before making major decisions.
AI Coach: Analyzes your numbers, identifies patterns, and asks reflective questions (no personalized investment advice).
Learning & Simulation Ecosystem:

Learn & Philia Library: Educational summaries, audio micro-lessons, quizzes, XP, and streaks to help you progress step-by-step (Understand → Learn → Decide → Act → Progress).
Philia Empire / Tycoon Simulation Game: Practice financial decision-making in a fun virtual environment (Income → Capital → Decisions → Asset Acquisition → Cash Flow → Reinvestment → Growth). 100% virtual currency with no real-world cash value.
Who it's for: Designed for employees, entrepreneurs, and aspiring wealth builders who earn money and pay bills, but want to know if they are truly making financial progress — not just another budgeting tool.
In summary: Think of it as a financial clarity dashboard — less about tracking past spending ("Where did my money go?"), more about understanding your overall wealth trajectory.

Philia Vault includes an auto-renewable subscription. Payment is charged to your Apple Account after confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your Apple Account settings.

Terms of Use: https://philiavault.com/terms
Privacy Policy: https://philiavault.com/privacy