Vault — Personal Wealth OS

Net Worth

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Assets − Liabilities

Liquid Net Worth

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Excl. Real Estate & Retirement

Debt-to-Asset Ratio

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Total debt vs assets

Months of Runway

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If income stopped today

Path to Financial Independence

Corpus to retire = 25× annual expense (4% safe withdrawal rule)

FI Number Today

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25× current annual expense

Years to FI

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At current trajectory

FI Coverage

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Of target reached

FI Year

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Projected

0%

Total Assets

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Total Liabilities

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Annual Savings

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Savings Rate

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Monthly Outflow (Plan)

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This Month Spend

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Plan Variance

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FI Target Coverage

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25× annual expense rule

Net Worth Over Time

Snapshots track your journey · auto-recorded monthly

Liquidity Ladder

Where your money is — and how fast you can reach it

Asset Allocation

By segment, current balance

Net Worth Composition

Assets vs liabilities

Spend by Category

Last 30 days

Monthly Trend

Last 12 months

Total Invested—

Current Value—

Unrealised Gain—

Realised Profit—

By Asset Class

Holdings

Total Outstanding—

Total Monthly EMI—

Active Loans—

Loan Details

Properties—

Current Value—

Outstanding Loan—

Monthly Rent—

Properties

Income Sources

Each row supports monthly OR annual entry · auto-syncs both

Expense Items

Each row supports monthly OR annual entry · YoY growth + start/end year for accurate projection

Category Split

Period Trend

Transactions

Planned—

Actual—

Variance—

Variance %—

Category Comparison

Detail

Insights

Pattern detection & suggestions

Credit Card PDF · auto-detect

ICICI, SBI, Axis supported

Drop a credit card PDF and the parser detects the bank, extracts transactions, auto-categorises them, and lets you review before import.

↑ Choose PDF

Generic CSV

Columns: date, merchant, amount, category

Choose CSV

Bank Statement

Columns: date, description, debit, credit, balance

Choose CSV

Global Assumptions

Default return on net worth (%) Inflation reference (%) Years to project Equity → Debt rebalance year PF/NPS unlock year (age 60) NPS annuity portion (%)

Milestone rules: At rebalance year, all Equity moves to FD (kills sequence-of-returns risk). At NPS unlock year, Retirement (PF+NPS) splits — 60% to FD, 40% to Pension Annuity (regulatory rule).

Show in today's purchasing power (divide by inflation each year)

Net worth = sum of investment balances (compounded with each category's ROI). Income is NOT added separately — it's assumed already allocated to Investments + Expenses. Cash-flow shortfalls draw down from balances. Click ▶ on any segment to set per-year overrides.

Segments — Income, Investments, Expenses

Income managed in Income tab · Expenses managed in Planned Expenses tab · Investment balances aggregated from Investments + Real Estate

Recomputes Equity/FD/Gold/Retirement/Real Estate balances by summing the underlying holdings.

Net Worth Projection

Monte Carlo Simulation

Risk under uncertain returns · 200 random paths around each segment's expected ROI

Default volatility: Equity 18% · Gold 15% · FD 2% · Real Estate 8% · Retirement 4% · Business 30%

Year-by-Year Table

Click any value to override

Data Storage

All data lives in your browser's localStorage. Use Import/Export to sync with CSV files on disk.

Import All CSVs

Bulk Import detail

Filenames must match: investments.csv, loans.csv, real_estate.csv, transactions.csv, planned_budget.csv, future_projections.csv, projection_segments.csv, reward_targets.csv

Categories & Cards

Manage your taxonomy

These appear as dropdown suggestions when you add transactions. Anything you type that isn't here gets auto-added.

About

Static personal wealth dashboard. Runs from file:// in any browser. Data in localStorage, CSV import/export to disk.

Wealth Snapshot

Welcome to Vault