Philia Vault: Wealth Tracker

Are you actually building wealth — or just earning and spending money? Philia Vault helps you see your real financial position: net worth, assets, liabilities, cash flow, and financial independence — all in one place. Stop looking only at where your money went. Start seeing where your financial life is going. WHAT PHILIA VAULT DOES Net Worth & Assets — Track everything you own vs. everything you owe, and see your net worth update as your financial data changes. Cash Flow — See your income and expenses relative to your true monthly costs, not just a transaction feed. Financial Independence Index (FII) — Know exactly how much of your monthly living costs your assets already cover. Scenario Simulation — Model major decisions (a home purchase, a career change, an investment) before you make them. AI Coach — Get pattern insights and reflective questions on your own numbers. Educational insights only — not personalized investment advice. LEARN & GROW Learn & Philia Library — Bite-sized lessons, audio micro-lessons, quizzes, XP, and streaks that take you from Understand → Learn → Decide → Act → Progress. Philia Empire (Tycoon Simulation) — Practice real financial decision-making in a virtual business: Income → Capital → Decisions → Asset Acquisition → Cash Flow → Reinvestment → Growth. 100% virtual currency, no real-world value. WHO IT'S FOR Built for people who already earn and pay their bills, but want to know if they're actually making financial progress — not just another budgeting tool. AVAILABILITY & PRIVACY Available in English, French, Spanish, and Portuguese. Subscription-based. All data is entered manually — no bank account connection required. 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