BudgetVault - Smart Budgeting

BudgetVault is a privacy-first envelope budgeting app that keeps your financial data on your device. No accounts. No cloud servers. No subscriptions. Just you and your money. ENVELOPE BUDGETING MADE SIMPLE Allocate your income into categories and track every dollar with visual envelope cards. See exactly where your money goes with color-coded spending health indicators. LIGHTNING-FAST EXPENSE ENTRY Log expenses in seconds with a custom number pad. Build consistency with daily streaks and milestone achievements. ON-DEVICE ML INSIGHTS (Premium) Real machine learning running entirely on your device. Spending predictions, anomaly detection, pattern classification, and category forecasts — powered by statistical models, not cloud APIs. CHARTS & HISTORY Beautiful charts show spending trends, category breakdowns, heatmaps, and month-over-month comparisons. Search and filter your full transaction history. DEBT & NET WORTH TRACKING (Premium) Track credit cards, loans, and student debt with payment history. Monitor your net worth with asset and liability snapshots over time. PRIVACY BY DESIGN Zero-knowledge architecture. No analytics SDKs. No tracking. No accounts to create. Your financial data stays on your iPhone and nowhere else. Optional iCloud sync goes only to your personal iCloud account. FREE FEATURES - Envelope budgeting with 4 categories - Quick transaction entry with number pad - Daily streak tracking with achievements - Basic spending charts - 30-day CSV export - 3 recurring expenses - Biometric lock (Face ID / Touch ID) - Budget templates PREMIUM (one-time $9.99) - Unlimited categories & recurring expenses - ML spending predictions & anomaly detection - Full CSV import/export (YNAB compatible) - Historical charts & spending heatmaps - Debt tracking & net worth dashboard - Streak freeze (1 per week) - Theme customization - Family Sharing included Pay once. Use forever. No trials, no recurring charges.