Your household’s money,
properly accounted for.
Vector is a double-entry ledger that lives on your phone. Every transaction is a balanced journal entry, every balance is derived from those entries, and nothing on any screen is a guess.
Net worth
$486,204.18
+ $3,812.40 this month
Left to spend · August
On track
$1,284.60
Day 12 of 31 · 38% of the plan used
Sample figures, shown to illustrate the interface.
The ledger
Double entry, all the way down.
Most money apps store a list of amounts and add them up. Vector stores journal entries. Each one has a debit side and a credit side, and the two always agree — so a balance is never something the app decided, it is something the entries add up to.
Money cannot go missing
Because both sides of every entry are recorded, an amount that leaves one account has arrived somewhere. There is no bucket for the difference.
Transfers are movement, not spending
Paying a credit card, paying down a mortgage, or moving cash between your own accounts is recorded as a transfer. None of it shows up as expenditure, so your spending figures stay honest.
Post now or keep it as a draft
Entries you are not ready to commit can be saved without touching your balances, and posted later.
Journal entry
Balanced
Accounts
Accounts that know what they are.
A health savings account and a brokerage account are not the same thing, and Vector does not pretend otherwise. Pick the account first and the app offers only the actions that make sense for it — with the accounting handled correctly behind each one.
Cash, cards, debt, assets, crypto
Checking and savings, credit cards, HELOCs and lines of credit, mortgages and auto, personal and student loans, certificates of deposit, property, vehicles, precious metals and collectibles, wallets and exchanges.
Tax wrappers for five countries
401(k), 403(b), 457(b), IRA, Roth, SEP IRA, ESPP, HSA and 529 in the United States. ISA, SIPP and LISA in the United Kingdom. TFSA, RRSP and RESP in Canada. Superannuation in Australia. PPF and NPS in India.
The right action, not every action
On a mortgage there is no “expense” — there is a payment from a funding account and an extra-principal payment, both of which move real cash. On a valued asset there is a revaluation rather than a transaction.
Brokerage · available actions
Credit card · available actions
Budget
Set it once. It carries.
A budget is a standing intention, not a monthly chore. What you plan applies to every month from now on, including months that have not started yet. When one month needs to be different, you change that month alone and the plan underneath stays put.
Every month
Your ongoing plan. A new month opens with it already in place, so nothing has to be re-entered on the first.
Only this month
A one-off for the month on screen — a holiday, a repair. Other months keep the plan, and the row is marked so you can see which is which.
Pace, not just totals
Left to spend is read against how much of the month has actually passed, and told to you plainly: on track, overspending, or underspending.
Categories worth watching
Sample figures, shown to illustrate the interface.
The month turns where you live
Your budget month rolls over in your own timezone. On the evening of the 31st it is still the 31st, not already the 1st somewhere else.
Percentages or amounts
Allocate a fixed figure or a share of income. When you use a share, the app shows you what it currently works out to.
One budget, shared by the household
Everyone in the household reads the same plan and the same remaining figure. There is no second version to reconcile.
Portfolio
Holdings, basis, and what you are actually up.
Buys, sells, dividends and fees post into the same ledger as everything else, so an investment account is not a separate world with its own arithmetic. Your position is derived from what you recorded.
Cost basis carried per holding
Average cost per share, total basis, current value, and unrealized gain in both currency and percent. Sort by value, by gain, or by name.
Allocation and accounts
See the whole portfolio, its allocation, and each investment account on its own — with history over the range you pick.
Trades in another currency
When a security is listed in a currency your account does not hold, enter the rate your broker used — or leave it blank and the market rate is applied.
Holdings
By value
VTI
48.204 shares
$12,486.10
+18.4%
AAPL
60.000 shares
$10,842.00
+9.2%
VXUS
120.500 shares
$7,314.35
−3.1%
Sample figures, shown to illustrate the interface.
Seeing it
From the whole picture down to the receipt.
Spending opens at the top level, expands into subcategories, and ends at the individual transactions that made the number — without leaving the screen or losing your place.
Spending
By category and subcategory, with each slice’s share of the period. Tap through to the transactions behind it.
Cashflow
Income against expenses month by month, so a bad month is visible as a shape rather than a surprise.
Net worth
Assets, liabilities and the difference between them, tracked over time from the entries themselves.
Bills and recurring
Weekly to yearly rules with a next-due date. Vector matches the real transaction when it lands, within a tolerance you set, and you confirm or skip.
Categories you can reorganize safely
Two levels, groups and categories. Merge duplicates, or delete one and choose where its history goes — transactions, rules and budget lines move with it. Nothing is lost.
Shared with the household
Invite the people you actually share money with, each with a role. Switch between households you belong to without signing out.
Currency, formatted the way you read it
Hold accounts in different currencies with one base currency for the household. Figures are grouped the way your locale groups them — ₹1,23,456 in India, $123,456 elsewhere.
Getting in, and staying private
No password, because there is nothing to steal.
You sign in from a link sent to your email, then save a passkey on the device. After that it is Face ID, Touch ID, or your device biometrics — nothing typed, nothing reused, nothing to leak.
App lock
Locks after the app has been in the background, and protects the session itself — a new one cannot start without your biometrics or device passcode.
Privacy screen
Balances are covered the moment the app leaves the foreground, so nothing is legible in the app switcher.
Your devices, listed
Every signed-in device is shown with when it was last seen. Sign one out and its session ends immediately.
Households are isolated in the database
Access is enforced by the database itself, on every query, rather than by application code remembering to check. A household’s rows are unreachable from outside it.
Where things stand
Vector is in private beta.
It is not on the App Store or Google Play yet, and we would rather say so than put a badge here that goes nowhere. Builds go out to a small group of testers on both platforms. If you want to be in it, write to us.
Goes straight to support@v3ctor.app.