Personal finance, reconciled monthly
Make every month add up.
Enter your account balances and income, plus the expenses and transfers you know. Vaultide works out the rest of your spending and what you saved across currencies — without making you log every purchase.
Example month · fictional figures
- Opening cash balances
- €15,740.00
- Income
- €2,600.00
- Closing cash balances
- €16,260.00
- Spending
- €2,080.00
- Known expenses
- €1,145.00
- Unclassified (not recorded)
- €935.00
- Saved from income
- €520.00
- Spending
- Month-end balance missing for Savings
How it works
Enter your balances
Use month-end statements for completed months. During the month, update your current balances when you want a fresh view.
Add what you know
Record income, known expenses and transfers between your accounts. Recurring items come back each month.
See the month add up
Vaultide separates known from unclassified spending, shows what you saved, and shows how reliable the result is.
What you can use today, and what's next
Vaultide starts with monthly reconciliation and grows toward a complete view of everything you own and owe. Planned work is shown in the order we currently expect to build it, without release dates.
Available now
- Monthly reconciliation
- Completed months and month-to-date views, with known and unclassified spending, savings, reliability and clear missing-data explanations.
- Accounts & net worth
- Cash accounts and other assets, balances over time, multiple currencies, and total vs financial net worth for what's tracked.
- Income, expenses & transfers
- One-off and recurring income and known expenses, plus transfers between your own accounts, including cross-currency transfers and linked fees.
- Spending over time
- A dedicated cross-month view of total and tracked spending, known vs unclassified amounts, recent averages, combined periods where balances have gaps, categories and the largest known expenses.
- Fix reconciliation issues
- When a month does not add up, Vaultide takes you to the balance, income, expense or transfer that would explain it, with what it already knows filled in. It suggests; you decide what is recorded, and nothing is written until you confirm it.
- Correct past records
- Change or delete a balance, income, expense or transfer that belongs to a finished month, and see what the correction does — the record before and after, and which months are worked out again — before anything is saved.
- Enter older history
- Fill in past months in one grid, month-end balances and recurring income, typed or pasted from a spreadsheet, and review the whole batch before anything is saved.
- Income across months
- Your income a year at a time: salary, bonus and other income by month, totals by source and for every year, gross where you recorded it, and any payment a recurring source is missing from a finished month. Each recurring source has its own page with its amount history and its payments a year at a time.
Next up
- Investments
- Portfolio valuations, contributions and withdrawals, distributions, fees, and performance that separates flows, market moves and currency effects.
Planned
- Debts & mortgages
- Loans and mortgages, schedules, derived balances, and payments split into principal and interest.
- Property
- Property values, rent, running costs, improvements, sales, and linked mortgages.
- Net worth, explained & export
- Complete monthly history, net-worth drivers and allocation, richer dashboard analytics, and full data export.
- Goals & projections
- Goals from actual data, deterministic projections, scenario comparison, and later probabilistic planning.
The rules behind the numbers
Missing isn't zero
If a balance or exchange rate is missing, Vaultide marks the affected result partial or unavailable instead of silently treating it as zero.
Every currency stays itself
Records keep their native currency. Reporting totals use dated exchange rates, and changing reporting currency never rewrites the recorded amount.
Moving money isn't spending
Transfers between your own tracked accounts are movements, not income or spending. A linked fee is counted once.
Amounts stay exact
Money is kept as exact decimal values, and formatting respects each currency's minor units.
Start with one account.
Add an account and its balance, then build a clear monthly picture from there.