How Vault works
You enter what you own once. Vault prices anything with a ticker from public markets, converts everything into one currency, and stores it encrypted. Each month you close a snapshot, which builds your net-worth history and your savings rate. From those, the projection tells you how many years of work remain.
Getting your positions in
Four ways in, and none of them is a bank login. Type a holding in under thirty seconds. Paste a spreadsheet and map the columns. Drop a PDF statement or a screenshot of one and let Vault read the rows out of it. Or restore a full backup from another device.
What Vault does while you are not looking
Listed positions are re-priced from public market data. Crypto is priced from public exchanges. Exchange rates refresh through the day and every value is normalised into your base currency. A quote that fails falls back to the last good price and says so in plain words — never a silent zero.
Closing the month
One action, once a month. Vault writes down every holding's value that day, totals assets and liabilities, and computes the savings rate from the change — without ever importing a transaction. Two consecutive closes are enough to draw the line that replaces your spreadsheet.
Reading the projection
Your target number, the withdrawal rate that sets it, and the return your own allocation implies. Change the mix on the allocation page and the projection changes shape, because an allocation decision is a retirement decision. Run several plans side by side and keep the one you believe.
Staying on plan between closes
Set a target percentage per asset class and Vault shows the drift against it as prices move. Record what you put away each month and it routes the next contribution to whichever class is furthest behind, so rebalancing happens by buying rather than by selling.
What Vault does not do
No bank aggregation. No budgeting or transaction tracking. No tax or capital-gains reporting. No advice, no recommended products, no advisor introductions. Those are not gaps waiting to be filled — they are the reason the product stays fast, private and cheap to run.