Fixed Expenses
Variable Expenses
Spending by Category
Bills This Month
Budget Limits
Quick Add Transaction
30-Day Cash Flow Forecast
Based on your fixed bills & avg income
+ Add Entry
ℹ️ Payoff dates and interest projections assume fixed APRs and consistent monthly payments. Actual results will vary based on rate changes, fees, and payment timing. This tool does not endorse any specific debt strategy — choose what works for your situation. Not financial advice.
When You'll Be Debt-Free
Debt-Free Strategy
Extra/mo:
Debt Accounts
Savings Goals
Year:
vs
Monthly Income vs Expenses — Last 12 Months
Monthly Breakdown
Top Income Sources
Assets
Total Assets$0
Liabilities
Total Liabilities$0
Net Worth Over Time
Active Subscriptions
Track recurring charges and see your monthly burn
Monthly Breakdown by Category
Upcoming Renewals
⚠️ Not tax advice. These estimates use simplified 2026 federal brackets and standard deduction only. They do not account for state/local taxes, credits, AMT, FICA beyond SE tax, or individual deductions. Consult a qualified tax professional before filing or making estimated payments.
Income Summary
Based on your logged transactions
Tax Deductions
Reduces your taxable income
Tax Bracket Estimate
Based on your total income and standard deduction for your filing status
Quarterly Tax Schedule
For self-employment or supplemental income — estimated quarterly payments
Backup & Restore
⚠ No cloud. No servers. No automatic sync.
VaultBooks stores everything in your browser's local storage. If you clear your browser data, switch devices, or wipe the app, your data is gone forever unless you have a backup file.
🔁 Backups are fully portable. Your backup file contains ALL your data. You can restore it on any device, any computer, any browser — just import the file. Keep it somewhere safe: Downloads folder, USB drive, Google Drive, or email it to yourself.
VaultBooks stores everything in your browser's local storage. If you clear your browser data, switch devices, or wipe the app, your data is gone forever unless you have a backup file.
🔁 Backups are fully portable. Your backup file contains ALL your data. You can restore it on any device, any computer, any browser — just import the file. Keep it somewhere safe: Downloads folder, USB drive, Google Drive, or email it to yourself.
Last backup:
Never
Export Backup
Saves a dated .json file to your Downloads folder
Restore from Backup
Load a previously exported VaultBooks JSON file
Categories
Spending and income categories used across the app
Legal & Disclaimer
Not financial, tax, investment, or legal advice. VaultBooks is an informational tool for general educational and planning purposes only. All calculations, projections, and estimates are based solely on user-provided data and simplified assumptions. Results are not guaranteed to be accurate, complete, or suitable for any particular purpose. Always consult qualified professionals before making financial decisions.
No endorsements. Mention of any financial product, institution, or service does not constitute an endorsement or recommendation. VaultBooks receives no compensation from any financial entity.
No guarantee of results. Debt payoff timelines, tax estimates, net worth projections, and savings trajectories are illustrative only. Actual results will vary based on individual circumstances, rate changes, fees, and market conditions. Past performance is not indicative of future results.
Privacy. All data is stored exclusively in your browser's local storage on your device. VaultBooks does not collect, transmit, share, or sell any user data. No cookies are used for tracking. No third-party analytics are embedded. Clearing browser data permanently removes all VaultBooks data.
Liability. Tool Vault and its affiliates disclaim all liability for any financial loss, tax penalty, or adverse outcome arising from use of this tool. Use at your own risk.
VaultBooks is a product of Tool Vault.
No endorsements. Mention of any financial product, institution, or service does not constitute an endorsement or recommendation. VaultBooks receives no compensation from any financial entity.
No guarantee of results. Debt payoff timelines, tax estimates, net worth projections, and savings trajectories are illustrative only. Actual results will vary based on individual circumstances, rate changes, fees, and market conditions. Past performance is not indicative of future results.
Privacy. All data is stored exclusively in your browser's local storage on your device. VaultBooks does not collect, transmit, share, or sell any user data. No cookies are used for tracking. No third-party analytics are embedded. Clearing browser data permanently removes all VaultBooks data.
Liability. Tool Vault and its affiliates disclaim all liability for any financial loss, tax penalty, or adverse outcome arising from use of this tool. Use at your own risk.
VaultBooks is a product of Tool Vault.
Disclaimer Acknowledgment
Checking...
Danger Zone
Reset to Demo Data
Replaces all current data with the built-in sample dataset
Wipe All Data
Permanently deletes everything — income, expenses, bills, debts, goals, subscriptions, tax records
VaultBooks v1.0 · Made by Tool Vault · Your data stays on your device
Important Disclosures
VaultBooks is an informational tool only and does not provide financial, tax, investment, or legal advice. All calculations, projections, estimates, and visualizations are for general educational and planning purposes only and are not guaranteed to be accurate, complete, or current. Results may vary based on individual circumstances. Tax estimates use simplified federal brackets and do not account for state taxes, AMT, credits, phase-outs, or other provisions that may apply to your situation. Debt payoff projections assume fixed interest rates and consistent payments, which may not reflect actual terms. Net worth and savings trajectory projections are based on historical data and do not guarantee future results. Past performance is not indicative of future outcomes. No fiduciary relationship is created by use of this tool. Always consult a qualified financial advisor, tax professional, or attorney before making financial decisions. VaultBooks does not collect, transmit, or store your data on any server — all data remains in your browser's local storage on your device. VaultBooks is a product of Tool Vault. By using this tool, you acknowledge that Tool Vault and its affiliates are not responsible for any financial outcomes resulting from your use of information provided herein. © ${new Date().getFullYear()} Tool Vault. All rights reserved.
VaultBooks is an informational tool only and does not provide financial, tax, investment, or legal advice. All calculations, projections, estimates, and visualizations are for general educational and planning purposes only and are not guaranteed to be accurate, complete, or current. Results may vary based on individual circumstances. Tax estimates use simplified federal brackets and do not account for state taxes, AMT, credits, phase-outs, or other provisions that may apply to your situation. Debt payoff projections assume fixed interest rates and consistent payments, which may not reflect actual terms. Net worth and savings trajectory projections are based on historical data and do not guarantee future results. Past performance is not indicative of future outcomes. No fiduciary relationship is created by use of this tool. Always consult a qualified financial advisor, tax professional, or attorney before making financial decisions. VaultBooks does not collect, transmit, or store your data on any server — all data remains in your browser's local storage on your device. VaultBooks is a product of Tool Vault. By using this tool, you acknowledge that Tool Vault and its affiliates are not responsible for any financial outcomes resulting from your use of information provided herein. © ${new Date().getFullYear()} Tool Vault. All rights reserved.
