Savings & Retirement Planner

Plan, forecast, and grow your future

Vault gives you a clear picture of your entire financial future — from today's portfolio balance to your retirement nest egg — all in one beautifully simple app.

Vault app overview screen showing portfolio balance and allocation
5
Powerful views
401k
IRA, brokerage & more
4%
Rule-based guidance
30yr
Long-horizon planning

Everything you need

Your entire financial life, in focus

Vault brings all your accounts together — retirement, savings, brokerage — and shows you exactly where you stand and where you're headed.

Vault overview screen
Overview

Your whole portfolio at a glance

See your total net worth, track growth since your last log, and view your portfolio allocation across every account type — all on one clean dashboard.

  • Total portfolio value with growth since last log
  • Donut chart breakdown: 401(k), Roth IRA, brokerage, high-yield savings
  • Monthly contribution tracking per account
  • Inflation-adjusted toggle to see real purchasing power
Vault forecast screen
Forecast

Forecast compound growth across accounts

Set your time horizon and watch Vault project exactly how your savings will grow — broken down by starting balance, cash deposits, and interest earned.

  • Adjustable time horizon from 6 months to 30 years
  • Growth source breakdown chart: balance vs. deposits vs. interest
  • Per-account projections with custom APY assumptions
  • See your balance 3, 10, or 30 years from today
Vault wealth milestones screen
Milestones

Track and achieve financial milestones

Vault automatically tracks your progress to the next wealth milestone — $10k, $25k, $100k, $250k, $1M and beyond — and tells you exactly when you'll get there.

  • Visual milestone progress timeline
  • Projected date for next milestone
  • 30-year per-account balance projections
  • Celebrate milestones already reached
Vault retirement readiness screen
Retirement

Measure your retirement readiness

Vault grades your retirement readiness against Fidelity age benchmarks so you always know if you're on track — and what to do if you're not.

  • A+ to F readiness score vs. Fidelity benchmarks
  • Years to retire and projected nest egg
  • Safe withdrawal amounts for 20- and 30-year horizons
  • Nest egg & spending power chart by retirement age
Vault spending simulator screen
Simulator

Simulate portfolio growth and spending

Play with your numbers. Adjust your monthly spend, portfolio return rate, and plan horizon to see if your nest egg will last as long as you need it to.

  • Interactive spending simulator with sliders
  • Real-time safe/caution/high-risk withdrawal rate gauge
  • 4% rule guidance built in
  • Balance at end of plan horizon
Vault social security estimator
Social Security

Estimate your Social Security and pension income

Vault uses the official SSA bend-point formula to estimate your monthly benefit at any claim age — and factors in your spouse's benefit too.

  • Official SSA bend-point formula (updated annually)
  • Compare benefits from age 62 to 70
  • Spouse / partner benefit calculation
  • Enter your own benefit if you already know it

History & logs

Log your balances over time and see your net worth grow with a full entry history per account.

Inflation-adjusted view

Toggle inflation adjustment to deflate projections at 2.5%/yr and see your real future purchasing power.

Multiple account types

Track 401(k), Roth IRA, Traditional IRA, brokerage, high-yield savings, and more in one place.

Private by design

No bank connections, no syncing. You enter your own numbers — your data stays yours.

Get started today

Your future self will thank you

Download Vault and start building a clearer picture of your retirement — for free, in minutes.

Need help?

Have a question, found a bug, or just want to share feedback? I'd love to hear from you. Send me an email and I'll get back to you as soon as I can.

[email protected]