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Vault Finance
A finance tracker that never phones home
Vault is a private finance app that stays on your device. No cloud, no tracking, no bank credentials — your data literally never leaves your iPhone. Built after Mint shut down and every "alternative" asked for Plaid bank logins. That felt backwards. Inside: • Budgets, recurring bills, CSV import • Investment tracking — stocks, crypto, dividends, live prices • Net worth history with monthly snapshots • Multi-currency • On-device receipt scanner • AES-256 encrypted backups you own
I built Vault because after Mint shut down, every "alternative" asked for
my bank credentials before I'd even seen the UI. The same pattern that just
collapsed at a $100B company, being repeated by its replacements.
Vault has no backend. No analytics either — I genuinely don't know how many
people launched the app today, and I think that's how finance apps should
work. You type your balances in yourself (takes about 10 seconds a month),
and in exchange your data literally never leaves the device.
Tech choices for anyone curious:
• SwiftUI + Core Data (not SwiftData — still too many gaps in iOS 17)
• AES-GCM + PBKDF2-SHA256 (210k iterations) for encrypted backups
• StoreKit 2 with offline entitlement caching (so Pro users don't get
downgraded on airplane mode)
• Multi-currency FX conversion — started USD-only, retrofitted this across
12 view models, would absolutely design it in from day one next time
Biggest tradeoff: no automated bank-transaction sync via Plaid. That's
intentional — the price of zero cloud surface area.
Happy to answer anything — tech, positioning, pricing, or why I didn't
build this cross-platform. Feedback especially welcome from people who've
tried Monarch / Copilot / YNAB.
About Vault Finance on Product Hunt
“A finance tracker that never phones home”
Vault Finance was submitted on Product Hunt and earned 0 upvotes and 1 comments, placing #10 on the daily leaderboard. Vault is a private finance app that stays on your device. No cloud, no tracking, no bank credentials — your data literally never leaves your iPhone. Built after Mint shut down and every "alternative" asked for Plaid bank logins. That felt backwards. Inside: • Budgets, recurring bills, CSV import • Investment tracking — stocks, crypto, dividends, live prices • Net worth history with monthly snapshots • Multi-currency • On-device receipt scanner • AES-256 encrypted backups you own
On the analytics side, Vault Finance competes within iOS, Productivity and Personal Finance — topics that collectively have 763.7k followers on Product Hunt. The dashboard above tracks how Vault Finance performed against the three products that launched closest to it on the same day.
Who hunted Vault Finance?
Vault Finance was hunted by William. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Vault Finance including community comment highlights and product details, visit the product overview.
William