No account needed to get started.

Your money, your tax, locked to your machine.

Vault keeps your ledger as a file on your own computer and does the Australian tax work on it — capital gains, BAS, deductions, franking credits. Sync is end-to-end encrypted, and only if you want it.

Download the app See how it works

$0to start, no account

100%of your data stays local

0bank passwords we ever see

HOW IT WORKS

Three turns to a fully set vault

Bring your transactions in

Import a CSV from any Australian bank, connect Up Bank with a free personal token, or type them in. Open Banking feeds through Fiskil are being finished now.

Dial in your rules

Set goals, limits, and auto-transfer amounts once. No daily decisions required.

Tax work that holds up

Salary and ABN income kept apart, deductions tracked, capital gains matched FIFO with the 50% discount applied only after losses offset non-discountable gains.

Locked down, by design

Your ledger is a file on your disk. Turn sync on and it's encrypted before it leaves the device — we hold ciphertext, not your finances.

End-to-end encrypted Records are encrypted on your device first. An attacker who steals the database gets ciphertext, and so would we.

Fiskil CDR certified Bank connections run through Fiskil's certified Consumer Data Right pipeline.

Encrypted, even in the cloud Data is end-to-end encrypted before it ever reaches storage.

Biometric lock Every open of the app is authenticated — Face ID, fingerprint, or PIN.

FEATURES

Everything the vault holds

Capital gains, done rightParcels matched FIFO, the 50% discount applied only after losses offset non-discountable gains.

Contractor & BASSalary and ABN income separated, GST-relevant expenses tracked, BAS estimate exported.

Dividends & frankingFranked and unfranked amounts with credits, grossed as assessable income.

Offline categorisationMost Australian merchants sorted locally with no key, no quota and no network call.

Receipts on diskCompressed and stored beside your ledger, attached to the transactions they belong to.

It refuses to guessAnything unreviewed blocks the tax report rather than quietly counting it the wrong way.

PRICING

Plain pricing, no combinations to guess

FREE

$0forever

Every tax feature, no limits
CSV import and Up Bank
Offline categorisation
No account required

Get started

SYNC

$9/month

Everything in Free
Encrypted sync across your devices
Unlimited vault goals
Still end-to-end encrypted

Get started

FULL

$15/month

Everything in Sync
Open Banking feeds, 100+ banks
Tax exports — BAS, CGT schedule, CSV & PDF
Trading tax calculations

Start free trial

Prices in AUD. Open Banking feeds are still being finished — everything else is available today.