Early access · Built in Spain
Knowing about money is one thing. Seeing it in your account is another.
Most people quit personal finance not for lack of information, but because nothing connects what they learn to what they actually do. Vaultari closes that gap and gives you one honest number that moves when your habits do.
Four questions, no bank details. At the end, you decide whether we get in touch.
The problem
Why the things you have tried did not stick
It is not willpower. The pieces just never talk to each other.
Theory stays theory
You can read twenty articles about emergency funds and still not have one. Learning without applying changes nothing, and no app walks you across that gap.
The numbers arrive too late
Expense trackers tell you at month end about money you can no longer redirect. That is bookkeeping, not decision-making.
Almost nobody is neutral
When an app earns its money placing a loan or a card, its advice stops being advice. That conflict quietly shapes everything it suggests.
How it works
Three pieces that reinforce each other
Learn something, apply it the same week, watch the effect land on your Score.
Learn in small pieces
Five-minute lessons with real Spanish-market examples — Euríbor, IRPF, CIRBE — and questions that check you genuinely followed it.
Track without friction
Log income, expenses and transfers in seconds. Your own accounts, categories and budgets, with no bank connection and no credentials handed over.
Watch your Score move
Every real data point recomputes the number. Adding a month of cushion or paying down debt shows up immediately, so progress stops being abstract.
The Vaultari Score
What it actually measures
Five pillars, weighted differently. We show the formula openly, because a score you cannot audit is no basis for a decision.
Control
20% weightHow much of what comes in goes out each month. The pillar you can move fastest.
Protection
25% weightHow many months you could cover with no income. It carries the most weight, because it is what stops one surprise from undoing everything else.
Debt
15% weightHow much consumer debt you carry, and how much of your income it eats.
Growth
20% weightWhat you own measured against what is typical for your age, plus the habit of saving.
Knowledge
20% weightWhat you have shown you understand. The one pillar that depends only on you, and it climbs from day one.
This is not a credit rating, it is never shared with lenders, and it has no effect on your borrowing.
Start here
So where should you start?
Four questions about your situation and your appetite. No income, no debts, no bank details. At the end we tell you which pillar to attack first.
What we ask
- How money is going for you
- What you would fix first
- What has held you back
- How much time you want to spend
No income, no debts, no bank details. Under a minute.
Our pledge
How we make money, and how we do not
Vaultari is not paid to place products with you. It is the only way what we tell you stays worth believing.
No ads
No banners, and no financial products dressed up as a recommendation.
No third-party commissions
We do not sell loans, cards or insurance, and nobody pays us to steer your decisions.
Your data is yours
We never connect your bank or ask for credentials. Export everything to CSV or delete your account whenever you like.
Questions
What people usually ask
Does the Score affect my credit?
No. It is an internal, private measure of your own progress. It is not a credit rating, it is never shared with banks or credit registries, and it has no bearing on whether you get financing.
Do I have to connect my bank?
No, and that is deliberate. Tracking is manual: you log a movement in seconds. We will never ask for your banking credentials.
Is this financial advice?
No. Vaultari is an educational product and does not provide regulated financial advice or personalised investment recommendations. For decisions that matter, talk to a licensed professional.
What will it cost?
We are in early access and have not set pricing yet. People on this list will hear first, with no obligation.
Is it Spanish only?
The app and this site are in Spanish and English. The finance content leans on Spanish-market references, since that is where we start.
What do you do with my email?
Keep it to tell you about launch and to understand what people signing up need. We do not sell or share it, and we delete it if you ask.
One minute now, or another year the same
Take the check, save your place, and we will write when we open.
Take the 1-minute check