Built for Real Financial Control

Receipt Scanning

Photograph a receipt and we read it back to you: the merchant, the date, the total, the currency, and the individual line items. The transaction form arrives already filled in, so what's left is a glance and a tap instead of a typing session. Long receipts that don't fit in one shot are photographed page by page and arrive as a single receipt.

Or skip the camera entirely. Forward the order confirmation to save@vault.403fin.io and it turns up in your receipts inbox, ready to file against a transaction whenever you get to it. Forwarding works from the email address on your account, plus any other address you add and confirm. Mail from an address you haven't added is dropped rather than stored.

The AI reads only if you say so, and you confirm everything. AI reading is off until you switch it on in Settings; until then, receipts are simply stored and attached for you to fill in the details yourself. When it's on, every extraction is checked against its own arithmetic, so when the line items don't add up to the printed total we tell you instead of quietly saving a number that's wrong. Nothing reaches your ledger until you've looked at it.

Available from Starter up: 75 receipts per renewal month on Starter, 200 on Pro, 400 on Premium. The count is per receipt, not per page, and it resets on your renewal date rather than the first of the month. Receipt images are encrypted with your account's own keys before they're stored, exactly like the rest of your financial data.

Investment Tracking

Stocks, ETFs, crypto, real estate, retirement accounts: track every asset class in one dashboard. See performance over time, cost basis, unrealized gains, and how each holding contributes to your net worth. Charts are bounded to the period you've actually owned each holding, so you're looking at your return, not the market's history.

Retirement accounts get tagged with the right subtype automatically, whether that's a 401(k), 403(b), 457(b), Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, or HSA, so they roll up correctly into the long-term side of your net worth instead of mixing in with your everyday cash.

Connect your brokerage and your holdings arrive with their prices attached: whatever your brokerage last reported, stamped with an "as of" timestamp and refreshed as your brokerage sends updates. Crypto prices refresh every 6 hours during our beta (we'll tighten this as we scale). Real estate and alternative assets are manual; update them when you have a new appraisal. Stocks you add by hand, without a brokerage connection, keep the value you entered until you change it.

Premium adds per-lot cost-basis tracking: FIFO, LIFO, or Specific-ID per holding, with a downloadable tax-lot CSV when you need to hand something to your accountant.

Multi-Currency Support

Track accounts across up to unlimited currencies (depending on your plan) with up-to-date exchange rates. Set your home currency and watch everything convert automatically. Perfect for freelancers with international clients, travelers, or anyone whose money lives in more than one country.

Your home currency is always included, on every plan. Free adds one more, Starter three, Pro ten, and Premium as many as you need. And spending abroad never counts against the limit — record a transaction in any supported currency on any plan; the limit is about the accounts you hold, not where you spend. Exchange rates update throughout the day.

FIRE Planning Tools Coming Soon

Financial Independence, Retire Early. Calculate your FIRE number, track your savings rate, and model different scenarios. Coast FIRE, lean FIRE, barista FIRE: we've got calculators for all of them.

See exactly how many years until you can walk away. Adjust your spending, savings rate, or expected returns and watch the timeline shift as you type. To be clear about what ships today: the FIRE budget method is one of the eight available now on Pro and Premium. The projection calculator described here is the part still in the works.

Customizable Dashboard

Pick what you actually want to see when you open the app. Account balances, budget progress, upcoming bills, net worth chart, goals, recent transactions, cash flow forecast, spending breakdown. Drag the widgets that matter into the layout that makes sense for you. Hide the rest.

More than twenty widget types and counting. The dashboard is yours, not a one-size-fits-all home screen designed by committee.

Milestone Tracking

Hit a savings target, pay off a debt, build a three-month emergency fund, and Forbidden Finance notices and quietly acknowledges it. No streaks, no leaderboards, no fake urgency. Just a record of the moments that actually mattered, organized by category so you can see your trajectory at a glance.

We're not in the dopamine-loop business. The acknowledgments are subtle on purpose: there if you want to look back, invisible if you don't.