One big balance is how money disappears — you spend it because it looks available. Vaults let you split it by purpose, so savings, bills, and fun stay separate and accidental overspend stops.
The cash for rent and the cash for fun look identical until the rent is due. A single balance gives you no signal — everything looks available, so everything gets treated as available. Separating money by purpose fixes that at a glance, before you spend what's already promised.
Money Vaults in Hunter Vault let you divide your money into purpose-based containers — Savings, Bills, Fun, Emergency — track each one's balance, and move money between them inside the app, so every dollar has a clear job.
Set up the accounts you actually use — cash, a card, savings — as records in the app, so your full picture lives in one place. Accounts in Hunter Vault are records you keep updated. They're not live bank connections and nothing syncs automatically. You enter the balances; the app keeps them organized alongside your vaults and category limits.
Open any vault to see its balance, what's gone in, and what's come out. Each vault is a clear container for one purpose — a digital version of the cash envelope method. The Bills vault only holds money for bills. The Fun vault only holds money for fun. Crossing them requires a deliberate choice, not an accident. Track progress toward a target on top of a vault with a savings goal.
Shift cash from Fun to Savings when you decide to prioritize a goal. Top up Bills before a due date. Adjust as life shifts without losing the structure. Important: transfers move money between your vaults inside Hunter Vault to keep your plan organized. They don't move real money in your bank — your actual cash stays exactly where it is. A transfer is an in-app record update, nothing more.
Keeping vaults balanced and purposeful is a satisfying, low-key win — the kind of small order that compounds. When a vault fills toward a savings target, it connects directly to progress bars and milestones. And keeps committed money off-limits in Safe-to-Spend automatically. See the full gamification system →
The envelope method has worked for decades because when money is pre-assigned a job, you stop accidentally spending what's already promised. Hunter Vault makes it digital: same principle, no physical cash required, and all of it stays private on your device.
No account, no bank connection — you keep the records, you keep the data. Learn more about privacy →
A money vault is a purpose-based container for part of your money — like a digital envelope. You name it (Bills, Savings, Fun, Emergency), assign it a balance, and track what goes in and out. Each vault is separate so the money for different purposes doesn't blur together.
No. Transfers in Hunter Vault reorganize money between your vaults inside the app to keep your plan organized. Your actual bank balance is completely untouched. Moving money between vaults is an in-app record update, not a real transaction.
No. Accounts in Hunter Vault are records you maintain — not live bank connections. You update the balances yourself. Nothing is synced from a bank.
Vaults organize money you already have, by purpose — like digital envelopes. Savings goals track progress toward an amount you're building toward. Use them together: a vault keeps your savings money separate, a goal tracks how far you've come.
Yes — a digital take on the envelope budgeting method. Each vault is one envelope: money assigned a job before you spend it, so nothing bleeds into the wrong category.
Yes. Vaults, vault detail, and in-app transfers are free, and the free plan covers up to 5 accounts. Hunter Elite unlocks more.
Download Hunter Vault free on iOS and Android — no account, no bank connection, no spreadsheet required.