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 free 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 finished return

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.

Categorised on your machine

A built-in classifier sorts most Australian merchants with no network call and no API key. Want an AI pass on the rest? Point it at a model running on your own computer.

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 up 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

Local only

Everything on your machine. No account, no network, no limits.

$0forever

Manual transaction entry
CSV import from any AU bank
Offline categorisation
Basic budgets and reports

Get started

SYNC

Cross-device

Connect your banks and keep everything synced across your devices.

$9/month

Everything in Free
End-to-end encrypted sync
Connect banks via Up Bank
Open Banking feeds (100+ banks)

Get started

FULL

Accounting & Tax

Full accounting suite with tax reporting for Australian contractors and investors.

$15/month

Everything in Sync
Capital gains & CGT engine
BAS, deductions, tax exports
Dividends with franking credits
Trading tax (CFDs as income)

Start free trial

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