👋 Your money, in plain conversation

Ask your
money
anything.

No dashboards. Just answers. "What's my biggest leak?" "Am I on track?" Ask in plain English — the AI reads your real numbers and gives you a straight, clear answer.

£ $ house deposit ✨ +£1,980 this month no spreadsheets, promise on track ✓
Bank-level encryption

Encrypted in transit and at rest, always.

Read-only bank access

We see balances. We never move money.

Your data is never sold

Not to advertisers. Not to anyone.

Cancel anytime

One click. No calls, no guilt trip.

Questions people actually ask

What can you ask your money?

Other apps give you charts. We give you the answer you didn't want to hear — but needed to.

Spending

"What's my biggest leak?"
"Compare me to 3 months ago?"
"Where did my paycheck actually go?"

Goals

"Can I buy a house by Dec '27?"
"What's my real saving rate?"
"Am I actually on track?"

Habits & mindset

"How has my mood been?"
"What patterns show up in my journal?"
"What's one habit that's quietly costing me?"
How it works

Five minutes to set up. Ask a question in five seconds after that.

01

Tell us your income

Just the number for this pay period — that's the starting point.

02

Connect your bank, or upload a statement

We'll handle the rest — the AI reads and categorizes every transaction for you. Give it a glance, tweak anything, done. (Currently supports European banks.)

03

Set up your trackers and goals

Emergency Fund, House Deposit, Medical, or anything custom, each with a running total; set a target amount and monthly saving rate.

04

Ask your timeline

"Can I buy a house by Dec '27?" "When do I hit $50k?" Get an actual projected date, not a guess.

05

Watch your progress

Your saving rate moving period to period, and a chart of the path so far vs. what's projected.

06

Ask anything else, anytime

Biggest leak, month-to-month comparison, mood patterns in your journal — a simple built-in journal, write a few lines whenever you want and the AI does the pattern-spotting.

Real people, real numbers

Members who stopped guessing.

34%
is the average saving rate of Pro members after six months —
once the AI showed them their one leak. Up from 12%.

and here's a few of them
"

I'd been "trying to budget" for five years. Then the AI pointed straight at it: my groceries-but-actually-takeout line was £640/mo. One number, and five years of fog was gone.

M
Maya R., London
Product manager · 31
+£11,400 saved · yr 1
"

The AI told me I was overpaying my mortgage by the wrong amount. Switched to investing the surplus. On track for ~$140k more by retirement.

J
James T., Manchester
Architect · 38
+$140k projected
Free tools, no signup

Take a calculator for a spin first.

Most of our tools are free and unlocked. No card, no email, no nagging. Use them, decide if you want more.

The boring pricing slide

One price. No upsell.

We tried three tiers. We tried five. Then we deleted them all. One plan, two cadences, no "but wait there's more."

Monthly
Pro
☀ Summer Sale
$14.5 $9.9 /month
Billed monthly · cancel anytime
  • Unlimited budget periods
  • AI pattern insights
  • Trading journal & heatmap
  • Mortgage breakdown tools
  • Email support
Begin with a question →

Both come with a 30-day free trial. No card up front. Cross our heart.

Things you might be wondering

Curious about something? We'll give it to you straight.

What kind of questions can I ask?

Anything about your money. "What's my biggest leak?" "Am I on track for my goal?" "How was my mood around spending this month?" There's no menu of approved questions — if it's about your money, ask it in your own words.

How is this different from other budgeting apps?

Most apps hand you a chart and leave you to figure out what it means. We skip the chart. You ask a question, the AI reads your real numbers, and you get a straight answer — the same way you'd ask a friend who's good with money.

Do I need to know anything about finance to use this?

No. If you can send a text message, you can use VaultTracks. No spreadsheets, no formulas, no financial vocabulary required. Ask in plain English — the AI will meet you where you are.

Will the AI judge me?

No. It'll tell you the truth — sometimes a truth you didn't want to hear — but never with a raised eyebrow. Think less "disappointed parent," more "friend who's seen worse and just wants you to be okay."

Will my data be safe?

Yes. Encrypted in transit (TLS 1.3) and at rest. We don't sell it, share it with advertisers, or use it to train models. Cancel, and we delete everything within 90 days.

Do you connect to my bank?

Yes — link your bank directly (we use Enable Banking, built for European banks) and your transactions show up on their own. Prefer not to link accounts? Upload a statement instead and we'll read it for you. Either way, nothing happens without your say-so.

Is this financial advice?

No. VaultTracks is an educational coach, not a regulated advisor. It surfaces patterns in your own numbers and does the math for you. For big decisions — investing strategy, tax, mortgages — talk to someone qualified to give regulated advice.

What if I ask something the AI can't answer?

It'll say so, plainly, instead of guessing. If it doesn't have enough of your data yet to answer well, it'll tell you exactly what's missing.

Why is it called VaultTracks?

A vault for your money, and a coach that quietly keeps track so you don't have to. We considered "Spreadsheet, But It Knows Things" — tested worse in focus groups, for some reason.

What if I cancel?

You keep access until the end of your billing period, then your account is paused. Export anything as CSV anytime. We hold your encrypted account for 90 days in case you change your mind.

Stop guessing.
Start asking.

One small fortnightly habit. Bigger long-term consequences than almost any single financial decision.

Ask your money anything →
🦊
VaultTracks Support
We reply within 24 hours
Hey there 👋 Got a question or feedback? Drop us a message and we'll reply to your email.
Your email *
Message *
0/2000
Message sent!
We'll reply to your email within 24 hours.
[email protected]