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.
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.
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.
Salary and ABN income kept apart, deductions tracked, capital gains matched FIFO with the 50% discount applied only after losses offset non-discountable gains.
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.
Prices in AUD. Open Banking feeds are being finished — everything else is live today.
Available on Windows, Intelt Mac, Apple Silicon, iOS, and Android. Free to start.