Vault — Savings & Retirement Planner

Inside the app

Five views. One complete picture.

Every screen answers a real question — where you stand, where you're headed, whether it will be enough, and what happens if you change your mind.

01Overview

Your whole portfolio, at a glance

One dashboard for everything you've saved — total value, growth since your last entry, and how it's allocated across every account.

Total portfolio value with growth since your last log
Allocation across ten account types — 401(k), IRA, HSA, brokerage & more
Monthly contributions tracked per account, in seven currencies

Vault forecast screen with time horizon slider and growth source breakdown

02Forecast

See compounding, decades out

Slide the horizon from one month to forty years and watch your balance build — split into what you started with, what you deposited, and what interest earned on its own.

Adjustable horizon — one month to forty years
Growth split: starting balance, deposits, interest
Custom APY assumptions for every account

Vault retirement screen showing an A+ readiness grade against Fidelity benchmarks

03Retirement

A graded plan, stress-tested against real markets

Vault scores your savings A+ to F against Fidelity's age benchmarks, then goes deeper than any calculator — Monte Carlo odds, tax-smart withdrawals, and Social Security, all in one place.

Readiness grade (A+ to F) vs. Fidelity age benchmarks
Monte Carlo success odds across 600 simulated markets, with a 10th–90th percentile cone
Tax-smart withdrawals — fill a bracket, see after-tax income, RMDs & Roth-conversion room
Social Security by claim age 62–70 (spouse included), via the official SSA formula

Vault simulator screen comparing base and simulated projections

04Simulator

Play with the numbers, safely

A sandbox for what-ifs. Nudge an account's return rate, contributions, or horizon and watch the outcome move in real time — your actual accounts never budge.

Live sliders for APY, contributions & time horizon
Base vs. simulated side by side, with the dollar difference
See the moment compounding interest outpaces your deposits

Vault history screen with portfolio value over time and per-account annualized returns

05History

Every entry, remembered

Log balances at your own pace — monthly, quarterly, whenever. Vault charts your net worth over time and computes the annualized return of every account.

Portfolio value charted across every entry
Annualized return (CAGR) for each account
Notes on any entry — bonuses, transfers, milestones

And throughout

The details that make it trustworthy

Will your money last?

A spend-mode burndown with a safe / caution / high-risk withdrawal gauge, grounded in the 4% rule.

Wealth milestones

Progress toward $10k, $100k, $1M and beyond — with a projected date for the next one on your path.

Real purchasing power

Toggle inflation adjustment to deflate any projection and see every future dollar in today's money.

Transparent methods

The 4% rule, Fidelity age benchmarks, and the SSA bend-point formula — real math you can check, no black-box score.

Ten account types

401(k), Roth & Traditional IRA, HSA, brokerage, high-yield savings, CDs, money market — in seven currencies.

Private & portable

No servers, no account, no tracking. Everything stays on your device — and a one-tap export is yours anytime.

A clear view of the decades ahead