No bank passwords
Enter, scan or import only what you choose.
AUSTRALIAN BUDGETING, BUILT TO BE USED
VULT turns your spending, bills, goals and debts into one clear plan — then makes the useful habit of checking it feel worth repeating.
- No bank connection
- Weekly, monthly or yearly
- Receipts to real detail
Left to spendA$2,613
26levels grown
Local-first
Your device remains the budget source of truth.
Built in Australia
AUD, fortnightly rhythms and local money language.
STATEMENT IMPORT
Drop in a PDF or CSV and VULT reads it as the table it is — dates in one column, the amount and the running balance at the right margin — then proves the read against the statement's own closing balance. If a line is missing, the total will not land, and VULT tells you instead of quietly filing a shorter month.
- Transfers stay transfers. Money you moved between your own accounts is matched to the accounts you named, not counted twice as income and spending.
- Names you would actually write.
MCDONALDS THORNTON NSWAUbecomes McDonald's, with the printed line kept in the note. - Re-import without doubles. Two exports that overlap add the missing days only.
- A restore point first. Every import saves the budget before it changes anything, so a bad file is one tap to undo.
Statements20260630.pdf92 rows read
- 01 JunOpening balance—$68.36
- 12 JunSalary — Hastings Deering$2,150.00$2,218.36
- 12 JunWoolworths Metro−$86.42$2,131.94
- 14 JunEnergy Australia−$155.44$1,976.50
- 15 JunCity Gym−$39.00$1,937.50
Five of 92 lines. The other 87 are read the same way.
Opening$68.36
Money in$3,059.74
Money out−$2,934.70
Closing$193.40
Balances to the printed closing figure. Nothing was dropped.
THE REAL BUDGETING PROBLEM
Budgets often fail through friction: too much setup, too little context, and no satisfying reason to return after an imperfect week. VULT keeps the daily action small and the deeper answers close.
Log the move now.
Recent purchases become useful shortcuts. Receipt scanning and statement imports handle the heavier history.
Correct it once.
Transactions, plans and analytics calculate from the same edited record instead of drifting apart.
Make progress visible.
XP, streaks, achievements and a growing tree celebrate useful habits — never fake financial returns.
WHAT VULT DOES
Budgeting
Plan the week, month or year
Your own groups, budget lines, rollovers and recurring schedules.
See how it works
Receipt scanning
Keep the detail inside the total
Review recognised receipt text and explore spending down to individual items.
See how it worksSpending
Follow the pattern, not a vague colour
Cumulative charts, projections and group-to-product drill-downs stay connected.
See how it works
Debt
Compare a real path back to zero
See avalanche, snowball and custom payoff estimates beside the rest of the budget.
See how it worksHOW IT WORKS
- 01
Build the shape
Choose the budget rhythm, accounts, groups and money goals that match your life.
- 02
Capture what happens
Log, scan or import expenses, income and transfers. Review before saving.
- 03
See the pattern
Move from a total into groups, lines, receipt categories and individual products.
- 04
Adjust and continue
Reuse the plan, change what moved and let useful habits build momentum.
BUILT FOR REAL MONEY MOMENTS
VULT is not a bank account aggregator or a financial adviser. It is a detailed budget and tracking workspace for people who want to stay involved.
GUIDE
Students
Handle casual income, semester costs and a budget that changes with the timetable.
Read it →GUIDEYoung adults
Organise first-job income, moving-out costs and savings before the stakes grow.
Read it →GUIDEDebt payers
Keep minimums, extra payments and a projected payoff path in one plan.
Read it →GUIDEHands-on budgeters
Use receipts, statements and quick entry without sharing bank credentials.
Read it →PRACTICAL MONEY GUIDES
Budgeting
How to create a budget
A practical Australian guide to listing income, planning expenses, allowing for irregular costs and reviewing a budget without starting over every month.
8 min read →SavingBuild an emergency fund
Work out a useful emergency-fund target, start with a smaller buffer and build it through regular Australian pay cycles.
7 min read →TrackingBudgeting without bank sync
Compare manual entry, receipt scanning and statement importing for a private, hands-on budget that does not use bank credentials.
7 min read →VULT FAQ
What does VULT do?
VULT helps you create weekly, monthly or yearly budgets, record expenses, scan receipts, import eligible statements, plan debt repayments, track savings and understand spending.
Does VULT connect to Australian banks?
No. VULT does not ask for or store online-banking credentials. You can use quick entry, receipt scanning and eligible PDF or CSV statement imports.
Is VULT free?
No. VULT is a membership product. Current listed prices are A$3.99 monthly or A$34.99 yearly. Eligible introductory offers, if any, are shown by the billing provider at checkout.
Is the VULT Financial Score a credit score?
No. It is an informational budgeting indicator based on information inside VULT. It is not a credit score, product recommendation or personal financial advice.
Where does my budget live?
The app is local-first: calculations and on-device persistence remain the source of truth. Signed-in members can also sync a compact snapshot through VULT's cloud service.
YOUR MONEY, ORGANISED
Build the plan, see the pattern and keep the useful habits moving.