MoneyVaults: Finances & FIRE

DAVID MIGUEL MENDES CERDEIRA

Contains adsIn-app purchases

About this app

Take command of your personal finances, monthly budget, and investment portfolio on your path to financial freedom. MoneyVaults: Finances & FIRE is your modern, privacy-first net worth tracker, savings vaults, stock & dividend tracker, cash flow calendar, and compound interest FIRE simulator—100% private and offline-first.

Whether you want to organize savings into dedicated vaults, track cash flow with zero friction, manage stocks & ETFs with average cost (PRU), project passive dividend income with a monthly average line, or simulate early retirement (FIRE), MoneyVaults gives you precision tools to reach your goals faster.

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🏦 PURPOSE-BUILT FINANCIAL VAULTS
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Build wealth systematically with dedicated financial buckets and custom sorting (by Balance, Name, or Type):
• Savings Vaults (Piggy Banks): Set milestones for a home down payment, car, or travel with progress bars.
• Emergency Fund Runway: Track how many months of vital expenses you have secured.
• Stock & ETF Vaults: Track tickers, units, average cost (PRU), market value, and unrealized P&L ($ and %). Log Buy & Sell orders with fees.
• Daily Expense Vaults: Fastfill shortcuts let you log routine expenses in under two seconds.

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💰 DIVIDEND TRACKER & PROJECTIONS
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Grow passive income from your equity holdings:
• Dividend Logging: Record recurring dividends (monthly, quarterly, semi-annual, annual).
• Stock Vault Sync: Automatically calculate payouts based on current shares owned.
• Tax Withholding: Forecast true net take-home cash after withholding tax (e.g. 15%, 28%).
• Multi-Horizon Projections (1M, 3M, 6M, End of Year, 1Y): Forecast passive cash flow with an edge-to-edge dashed Monthly Average reference line.
• Batch Selection: Select multiple payouts for quick management and confirm straight into Cash Flow.

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📈 EVOLUTION & TREND CURVES (1M, 3M, YTD, 1Y, ALL)
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• Multi-Horizon Curves: Visualize vaults or total net worth across 5 timeframes (daily, weekly, monthly).
• Natural Monetary Scale: Compare Current Balance and Profit & Loss (P&L) simultaneously without distortion.
• Stacked Bar Evolution: Compare cumulative balances and monthly net cash flows across 3- and 6-month windows.

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🗓️ INTERACTIVE CALENDAR & CASH FLOW
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• Monthly Calendar View: Inspect daily inflows, outflows, planned commitments, and recurring bills. Edit future items directly on the calendar.
• "Include in Cash Flow" Switch: Keep reimbursed expenses or internal transfers separate from your liquid balance.
• Recurring Rules & Local Alerts: Automate bills, salaries, and investments with local notifications on device.
• Planned Future Transactions: Forecast the impact of scheduled purchases before you spend.

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🧮 WEALTH & FIRE CALCULATORS SUITE
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• Compound Interest & FIRE: Project growth up to 50 years, compute your FIRE number (4% Rule), and inspect maximized charts with regular contributions and DRIP.
• Loan Amortization: Discover exact interest and years saved via early payoff.
• Smart Discount Tool: Compare promotional deals and savings side by side.

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🔒 100% PRIVATE, OFFLINE & MULTI-CURRENCY
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• Total Privacy: No accounts, no bank credentials, and no external tracking servers.
• Biometric Lock: Protect your data with fingerprint or facial recognition.
• Privacy Mode: Hide balances and amounts with a quick tap in public.
• Universal Multi-Currency: Full support for $, €, £, R$, CHF, ¥, and more.
• Data Backup: Export and restore clean JSON backups or generate professional PDF and CSV financial reports.

MoneyVaults: The modern, private, and complete toolkit to grow your wealth and achieve financial independence.

What’s new

- Fixed historical daily Profit & Loss alignment so that updated P&L values correctly reflect on the exact day of the update without unwanted interpolation.
- Preserved accurate day-to-day closing snapshots for previous days in both individual vaults and portfolio evolution.
- Automatic history reconciliation on startup.
- Performance enhancements and chart accuracy improvements.