Questions about Vault

No, and it never will as a requirement. Prices for listed assets come from public markets. Everything else you enter. There are no credentials to store and none to lose.

No. Values are encrypted in your browser before they are sent, under a key we never receive. The server holds ciphertext, identifiers and dates.

Your figures cannot be recovered by anyone, including us. You can sign in and reset the vault, which clears the unreadable data and keeps your account. Settings has a check that proves your phrase still works, before you need it to.

You enter a quantity once. The price is then Vault's job, from public exchange data refreshed through the day. So it is manual entry, not manual maintenance. And typing a number in is not itself what keeps it private — plenty of trackers offer manual entry and store the result in the clear, beside the email address that identifies you. What makes it private here is that the figure is encrypted before it leaves your browser.

Because it has no use for the connection. Vault prices a quantity of an asset, not an account, so a wallet address or an API key would tell it nothing it needs and would create a record neither of us has a reason to hold.

Yes. Each property carries its own loan, amortisation and events, so equity is a figure you read rather than one you compute.

Yes. Hold assets inside a company, or a company inside a company, and see your share of what each one holds.

No. Vault is a consolidated net-worth and financial-independence system. It will tell you your savings rate from what actually changed month to month, but it does not categorise your spending and does not want your transactions.

Expected return, inflation and withdrawal rate — all editable, all shown next to the result they produce. Behind the single date there is also a Monte Carlo distribution and a sequence-of-returns test.

Listed positions update themselves. For everything else, most people spend a few minutes once a month, at the same time they close the snapshot.

The free plan holds up to fifteen holdings and consolidates them into one exact figure — a real balance sheet, not a trial with a timer on it. Pro buys three things: no limit on holdings, the financial-independence projection, and import from spreadsheets and PDF statements. Free tells you what you are worth; Pro tells you when you can stop working. Right now you would not pay anything for it: a vault opened during early access gets Pro free until launch, and for a year after that.

No. The encryption is the architecture, not a feature. Every vault is encrypted in your browser under a key we never receive, on every plan, including the free one.

At any time, with no notice period. Export stays available whatever your plan, and a lapsed subscription becomes a limited account rather than a closed one — your data is not held hostage to a renewal.

Hold in any currency; everything converts into the base currency you choose, with rates refreshed through the day. Change the base currency and the history re-reads in it.

No. Vault is a tracker and a calculator. It shows your figures and the arithmetic on assumptions you choose. It recommends nothing and sells no products.

At any time, in two formats: a complete backup that restores into any Vault account, and one CSV per table for a spreadsheet.

Yes, in the browser. Vault is built to work at phone width, with its own navigation there. Installing it to the home screen and native apps are both on the roadmap, and neither is available today.

Yes. Sign in anywhere and unlock with your recovery phrase, or enrol a passkey on that device and unlock with it. There is no file to move and no export to carry.

Not yet. One account holds one balance sheet. Shared and family vaults come after the single-user product is right.

Not at launch. Import and export cover the same ground for now.

That an account holds some, and when the figure last changed. Record types and dates are stored in plaintext so the database can function. The quantity, the coin and the value are ciphertext, so we cannot read any of them. The complete list of what is and is not encrypted is on its own page.

Yes, and most people should. A crypto tracker answers what your coins are doing today, across chains, in real time — better than Vault will. Vault answers what you are worth in total and how many years of work are left, which is a question no crypto tracker can reach because it has never heard of your flat or your pension.

No. Vault counts what you hold and what it is worth. It does not read positions from a chain, track staking rewards, price NFTs, or produce tax or capital-gains reporting.