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🛒 Get VaultBooks

This is the full VaultBooks app — running with sample data

Click around. Add a transaction. Import a CSV. See your debt payoff date drop. When you're ready, get the full version and keep your data forever — 100% private, runs in your browser, no signup, no subscription.

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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
⚠ Heads up — your data lives only on this computer.
VaultBooks doesn't use the cloud. Nothing is saved on a server. Everything is stored right here in your browser. That's great for privacy — but if you clear your browser, switch computers, or something breaks, your data is gone unless you saved a copy first.

🔁 The good news: one button below saves everything as a single file. One button brings it back. Save that file somewhere safe — your Downloads folder, a USB stick, Google Drive, or just email it to yourself. As long as you have the file, you have your data.
Last backup: Never
💾 Save a copy of everything
Makes one small file with all your money info — every transaction, bill, debt, goal, and savings target. The file lands in your Downloads folder with today's date in the name. Move it somewhere safe (USB stick, Google Drive, email to yourself). Save a fresh copy at least once a month or any time you've added a bunch of new stuff.
📂 Bring your stuff back
Got a copy you saved before? Pick it here and everything comes back exactly how you left it. Works on any computer or browser. Heads up: this replaces what's here right now — so save the current stuff first if you want to keep both.
💡 First time saving a copy? Open the 📖 How to Use guide in the sidebar — Step 5 walks you through saving and bringing it back, plain English, no tech words.
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 — toolvaultapp.com.
Disclaimer Acknowledgment
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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 Demo · Full app, sample data · Made by Tool Vault

Make this your own VaultBooks

The demo wipes when you close the tab. The full version keeps everything saved on your device — forever — with no subscription, no signup, no cloud sync, and no one watching what you do with your money.

One-time purchase 100% private — runs locally Free updates Works offline
🛒 Get VaultBooks at Tool Vault →
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 (toolvaultapp.com). 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. © Tool Vault. All rights reserved.
⚠️
✎ Edit Fixed Bills

These are your recurring monthly bills — rent, car payments, subscriptions, etc. The match keyword below each bill is what VaultBooks looks for in your bank transactions to auto-detect payments. Edit it to match how your bank describes the charge.

✎ Edit Variable Bills

These are your regular but flexible expenses — groceries, gas, dining, etc. Enter your estimated monthly amount for each. VaultBooks will track actual vs estimated on the dashboard.

🛒 Costco — Gas or Groceries?

We found Costco charges in your import. Help us categorize them correctly — amounts under $45 are usually gas, larger amounts are usually groceries/merchandise.

Add Deductible Expense
Set Monthly Budget Limits

Set a monthly limit per category. You'll see a warning at 80% and an alert when exceeded.

Add / Edit Debt
Add / Edit Goal
Edit Transaction
✂ Split Transaction
⬆ Import Income & Expenses
No bank linking. No account access. Just paste, upload, or type your income and expenses in.
📥 Download platform CSV template:
📋 Copy & Paste
Works with any bank — paste straight from the website or app
📊 CSV File
Upload exported CSV from your bank
📄 PDF Statement BETA
Text-selectable PDFs only. Scanned paper statements won't work — use Copy & Paste for those instead.
✏️ Manual Entry
Type in a single transaction by hand
Import to account:
Paste income and expenses from your bank website, mobile app, or anywhere. Works with most formats — dates, amounts, and descriptions are detected automatically.
Format: one transaction per line — date, description, amount
03/16/2026 Payroll Direct Deposit 2187.45
03/16/2026 Shell Gas Station -38.90
Upload a CSV exported from your bank. Works with Chase, Wells Fargo, BofA, Capital One, US Bank, Wings Financial, and most others.
📊
Click to upload CSV or drag & drop
Chase, Wells Fargo, BofA, Capital One, US Bank, Wings, and most others
or drag & drop a file onto the area above
⚠️ PDF Import is beta — please read first
Only works with digital (text-selectable) PDFs. If you can highlight text in your PDF, it will likely work. Scanned paper statements, photos, or image-based PDFs will not parse correctly.

If results look wrong or incomplete after upload, switch to Copy & Paste — it works on every bank and every format.
📄
Click to upload PDF or drag & drop
Digital (text-selectable) bank statements only
or drag & drop a file onto the area above
Enter a single transaction manually:
📖 How to Use VaultBooks
VaultBooks — Quick Start Guide
Budget every dollar. Crush your debt. Build real wealth. Your data never leaves your device.
1
Get your transactions in — 4 ways
On Income & Expenses, tap ⬆ Import (top-right). Pick the method that fits how your bank gives you data:
📋 Copy & Paste
Works with any bank. Open your bank's website or app, highlight the transaction list, copy it, and paste it in. This is the most reliable method — start here if you're not sure.
📊 CSV File
Most banks let you download your transactions as a .csv file. Upload that file here and VaultBooks will parse the columns automatically.
📄 PDF Statement BETA
Text-selectable PDFs only. If you can highlight the text inside the PDF, it will likely work. Scanned paper statements and photo-based PDFs won't work — use Copy & Paste for those instead.
✏️ Manual Entry
Type in a single transaction by hand. Best for cash purchases, one-off income, or fixing a missed entry. You can also use + Add Entry directly on the Income & Expenses page for the same result.
2
Track every dollar in Income & Expenses
See your income on the left, expenses on the right. The banner at the top shows your net position so you always know where you stand this month.
3
Budget every dollar to zero
Set monthly budget limits on Dashboard. Give every dollar a job — income minus expenses should equal zero. This is how you take control of your money.
4
Attack your debt — your way
Go to Debt Tracker and list everything you owe. Pick Snowball (smallest balance first for quick wins) or Avalanche (highest interest first to save the most). VaultBooks compares both so you can decide.
5
⚠ Save your work — and how to bring it back (DO NOT SKIP)
VaultBooks runs only on your device. There's no cloud, no account, nobody else has a copy. That makes it fast and private — but it also means you are in charge of saving a copy. Good news: it's two buttons. Here's exactly what they do:
💾 Save a copy of everything
Go to Settings → 💾 Save Copy Now. VaultBooks drops a small file in your Downloads folder with today's date in the name (like vaultbooks-backup-2026-04-25.json). That one file contains everything — every transaction, bill, debt, goal, and savings target. Move it somewhere safe: a USB stick, Google Drive, or email it to yourself. Save a fresh copy at least once a month. Backups don't help if you only ever made one — keep a few, in different places.
📂 Bring your stuff back
New computer? Browser wiped? Just need to undo a mess? Go to Settings → 📂 Open Saved Copy, pick the file you saved earlier, and confirm. Everything pops back exactly how you left it. Works on any computer, any browser, any phone. No account, no signup, no waiting.
⚠ Important: Bringing a saved copy back replaces what's on your screen right now. If you've added new stuff today and don't want to lose it, save a fresh copy first — then bring the old one back.
📱 Mobile tips
· Use the bottom tab bar — big buttons, easy to tap
· Works fully offline after first load — no cloud, no servers, no tracking
· Quick Add on Dashboard for fast logging, or use + Add Entry on Income & Expenses to toggle between income and expense types
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+ Quick Add Income
VaultBooks
Welcome to VaultBooks!
Your personal finance command center. Budget every dollar, crush your debt, track your net worth — all 100% private on your device.
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