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Spend less.
Save more.
Invest the rest.

Most people don't have an income problem — they have a visibility problem. VaultTrack shows you exactly where every dollar goes, finds the leaks, and turns what you save into a compounding investment plan.

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VaultTrack May 2026
llama-3.1 · 8b
AI Active
$5,800
Income
↑ +$400 vs Apr
$3,820
Expenses
↑ +$144 dining
$1,980
Saved
34.1% rate
6-month saving trend
Oct
Nov
Dec
Jan
Feb
May
Analyse my May spending and suggest where to cut…
AI Insights
Groq
Saving rate up 4 months straight
34.1% — your highest ever. On track for $23,760 saved this year.
+9 pts vs Jan ↑
Dining spend up 38% — $144 above average
Cut to average → redirect $144/mo at 8% = $25,800 in 15 yrs.
Alert: 2nd month above trend
Overpay $400/mo → save $34k interest
Or invest $400 at 8% return — projected $180k in 15 years.
Mortgage vs Invest →
tokens: 1,842 · latency: 0.38 s · model: llama-3.1-8b-instant Powered by Groq ⚡
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Free calculators, use right now

Run the numbers on your mortgage, compound returns, or savings goal — instantly.

Compound Returns
How much will your money grow?
Free
Final value
Total contributed
Investment growth
Return multiple
Full calculator with detailed breakdown
Mortgage Calculator
Payment, interest & overpayment savings
Free
Monthly payment
Total interest paid
Paid off in
Full amortisation breakdown
Mortgage vs Investing
Should you overpay or invest the surplus?
Free
Overpay: net wealth
Invest: portfolio value
Interest saved (overpay)
Winner
Full comparison with detailed charts
Pro features
Your complete financial picture, in one app

Budget tracking, trading analytics, AI-powered insights, savings projections, and mortgage tools — all connected, all yours for $20/month.

Monthly Budget Tracker
Income · Expenses · Saved — every period
Budget Tracker
$5,800
Income (Jan)
$3,820
Expenses
$1,980
Saved
34.1%
Save rate
Track every budget period with a full breakdown of income sources, spending categories, and how much you actually saved. Compare month-to-month to spot trends instantly. Drill into any category to see the line items behind the numbers.
Savings Rate Trend
Rolling 10-month view of your saving discipline
+9 pts this year
35.2%
Peak rate (Mar)
25%
Rate 1yr ago
+10 pts
YoY improvement
Your saving rate is the single most important number to watch. VaultTrack plots it automatically every period so you can see if discipline is improving or slipping. The goal: 30%+ consistently. Most users hit it within 3 months of tracking.
  AI Budget Analysis
Powered by Groq — instant, personalised insights
Groq AI
Saving rate up 4 months in a row Trend You're now saving 34% of income — highest since you started tracking. At this rate, you'll hit your $50,000 down payment target in 22 months.
Dining spend up 38% Alert $520 this month vs your $376 average. Second consecutive month above trend. Cutting back to average saves $144/mo — $1,728/year.
Mortgage overpayment window Tip At your current savings rate, redirecting $400/mo as overpayment saves $34,000 in interest and cuts 4.5 years off your 25yr mortgage.
6 forgotten subscriptions detected Alert $218/mo in recurring charges with no matching usage this quarter — streaming services, gym, SaaS tools. Review and cancel to free up cash.
Q4 forecast: best quarter yet Forecast Based on your Oct–Nov trajectory, Q4 projected savings: $6,400. That's $1,100 ahead of Q3 and your best quarter since you started tracking.
Trading P&L — Monthly Heatmap
3 years of monthly profit/loss at a glance
Trading Journal
JanFebMarAprMayJunJulAugSepOctNovDec
Profit Loss No trade
Log every trade with entry, exit, size, and notes. The heatmap instantly reveals seasonal patterns, weak months, and winning streaks that spreadsheets never show. See win rate, average R-multiple, and total P&L by year, quarter, or asset class. Most traders spot at least one losing pattern they weren't aware of within the first month.
Budget Periods
Create a new period for each month. Track every income source and expense category with full drill-down.
  • Unlimited budget periods
  • Custom income & expense categories
  • Month-on-month comparison
  • CSV export for every period
Savings Projection
See exactly where your money will be in 1, 3, and 5 years based on your real saving and spending data.
  • AI-powered forecast through 2027
  • Goal tracking with deadline estimates
  • Scenario modelling (save more / spend less)
  • Compound growth visualisation
Trading Journal
Log trades with full metadata. Heatmap, win-rate, R-multiple analytics, and pattern detection across months and years.
  • P&L heatmap (monthly, 3-year view)
  • Win rate & average R-multiple
  • Trade notes with AI review
  • Filter by asset, direction, outcome
AI Spending Analysis
Groq AI reads your actual budget data and delivers specific, actionable insights — not generic tips.
  • Spending alerts & trend detection
  • Subscription audit & cancellation advice
  • Quarterly forecasts & projections
  • Financial journal entries with AI responses
Mortgage Tools
Three powerful mortgage calculators: full amortisation schedule, overpayment savings, and invest vs overpay comparison.
  • Year-by-year amortisation table
  • Overpayment interest & time savings
  • Mortgage vs market investment comparison
  • CGT-adjusted net wealth scenarios
Financial Calendar
Never miss a bill, investment date, or renewal. See every financial event for the month on a visual calendar.
  • Bill & subscription due dates
  • Investment contribution reminders
  • Tax deadlines & review dates
  • Sync across all your budget periods
What users say
Real people, real savings

From paying off debt faster to building a house deposit — here's what VaultTrack helped people do.

★★★★★

"I had no idea where my money was going every month. Within the first week of using VaultTrack I could see I was spending $640 on things I didn't even care about. Cut that, and I'm now saving double what I was."

S
Sarah M.
Nurse, Dublin
Now saving $1,400/mo — up from $680
★★★★★

"The mortgage overpayment calculator showed me that paying an extra $300/month would save over $47,000 in interest and cut 6 years off my mortgage. I restructured my budget the next day."

J
James K.
Software Engineer, Sydney
Saving $47,000 in mortgage interest
★★★★★

"I used to track my trading in spreadsheets. The P&L heatmap in VaultTrack made it instantly obvious I was losing every January and March. I stopped trading those months — profit up 30%."

R
Ravi P.
Day trader, Chicago
Trading profit up 30% after pattern insight
★★★★★

"The AI analysis picked up that my subscriptions were bleeding $280/month I'd forgotten about. Cancelled six of them. That's the tool paying for itself 14x over every single month."

A
Amira T.
Freelance designer, Manchester
Cut $280/mo in forgotten subscriptions
★★★★★

"I was earning decent money but had nothing to show for it. VaultTrack showed me I was saving 8% of my income. Three months later I'm at 29%. That gap is now going straight into index funds every month."

M
Marcus L.
Marketing manager, Toronto
Save rate jumped from 8% to 29% in 90 days
★★★★★

"We were a two-income household with nothing in savings. The budget tracker made us realise we were spending $900/month on eating out and takeaways. Halved it, and within 6 months we had our first $10,000 emergency fund."

C
Claire & Tom B.
Teachers, Cork
Built $10,000 emergency fund in 6 months
★★★★★

"The savings projection told me that if I kept saving $1,200/month at 7% return, I'd have $180,000 in 8 years. Seeing that number made it real. I haven't missed a contribution since."

D
Daniel O.
Electrician, Melbourne
On track for $180k portfolio in 8 years
★★★★★

"I always thought investing was for people with spare money. VaultTrack proved I had spare money — I just didn't know it. Found $550/month I was wasting. Now that's in a Roth IRA and growing."

P
Priya S.
Accountant, Austin
Redirected $550/mo of waste into Roth IRA investments
★★★★★

"After my pay rise I lifestyle-inflated immediately and saved nothing extra. VaultTrack's month comparison showed me exactly what happened. I reversed it, automated the savings first, and now I actually feel wealthier."

N
Nathan W.
Data analyst, New York
Stopped lifestyle inflation, saving $800/mo more
Pricing
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