Vaultr

The application records every financial movement—salary, side‑hustle earnings, subscriptions, and expenses—so users can see their net position without relying on spreadsheets. It supports split‑by‑category entry, recurring‑bill tracking, and visual reports that show spending trends, cash‑flow, and net‑worth over time. An AI‑driven chat interface parses natural‑language inputs (e.g., “spent 18 on transport”) and creates the corresponding transaction automatically.

Designed for young professionals who manage multiple income sources, the tool lets users maintain separate ledgers for personal, household, or business finances within a single account. Multi‑currency handling with live foreign‑exchange conversion enables comparison across different accounts. The free tier offers unlimited transactions, one ledger, core budgeting tools, and CSV import/export, while a paid tier adds additional ledgers, advanced analytics, and the AI chat assistant.