✦ Budget — green means on track
✦ Savings goals — progress in purple
✦ Bills & alerts — orange when due
✦ AI receipt scanning
✦ Zero bank login required
✦ Combined net worth tracker
✦ Business expense PDF reports
✦ 3 languages · 5 currencies
✦ $59/year covers your household
✦ Budget — green means on track
✦ Savings goals — progress in purple
✦ Bills & alerts — orange when due
✦ AI receipt scanning
✦ Zero bank login required
✦ Combined net worth tracker
✦ Business expense PDF reports
✦ 3 languages · 5 currencies
✦ $59/year covers your household
Everything you need
Built different.
On purpose.
Budget that actually balances
Set income, allocate to categories. Green when on track, orange when you need to slow down.
Net worth — no bank needed
Add accounts manually. Savings, investments, home, car. Combined household view. No Plaid. Ever.
$59
per year for your household
Solo or sharing — one flat price covers everyone.
AI receipt scanner — built for tax time
Point your camera. Claude AI reads the merchant, amount, and date. Mark as business — receipt saves itself. Download a branded PDF at month end with every expense and receipt attached.
Bills & reminders
Track every recurring bill. Orange alerts before it's due. Auto-matches transactions when you log them.
45
day free trial — no card needed
Try everything. No commitment.
Savings goals — track progress
Name it, set a target, pick a date. Purple progress bars. Share goals with your household.
Multilingual & multi-currency
English, Spanish, Hebrew. USD, EUR, GBP, ILS, MXN. Switch anytime.
See it in action
Every screen. Designed for clarity.
💰 Budget
🏦 Net Worth
📅 Bills
🎯 Savings Goals
📊 Reports
⚙️ Settings
💌 Partner Invite
↕ Transactions
💰 Budget
🏦 Net Worth
📅 Bills
🎯 Savings Goals
📊 Reports
⚙️ Settings
💌 Partner Invite
↕ Transactions
Built for households
Solo, coupled,
any setup.
Whether managing finances alone or sharing with a partner, Merq Vault keeps everything in sync — separate logins, full visibility.
1
One subscription covers your household
Other apps charge per person. You pay one flat fee — solo or sharing.
2
Each person keeps their own login
No shared passwords. Both see the full picture together.
3
Invite a partner in 30 seconds
Send an email invite. They accept and immediately see everything.
For freelancers & contractors
Your accountant
will love this.
Mix personal and business spending. Scan receipts with AI. Get a clean PDF at month end.
1
Toggle "Business expense" before scanning
Receipt auto-saved. Add a memo. Tagged for tax purposes automatically.
2
AI reads the receipt — fills in everything
Claude AI extracts merchant, amount, and date from the photo in seconds.
3
Download a branded expense PDF
Every expense listed. Every receipt image attached. Ready to hand off.
Privacy first
We make money
one way only.
When you love it enough to subscribe. No ads. No data selling. No Plaid. Your financial life stays yours.
✓
No bank connection — ever. Manual entry only. The friction is the feature.
✓
No Plaid, no aggregators. Your credentials never leave your bank.
✓
No ads. No data selling. One revenue stream: your subscription.
Your bank stays yours.
We never ask. We never will.
Merq Vault
Manual entry
No Plaid
No data sold
No ads
You pay us
Free apps
Bank access req.
Data aggregators
Data sold
Ad-supported
You're the product
How we compare
Half the price.
Built for everyone.
| Merq Vault | YNAB | Monarch | Honeydue | |
|---|---|---|---|---|
| Price for a household | $59/year | $109/person | $100/person | Free (ads) |
| No bank login | ✓ Never | Optional | ✗ Required | ✗ Required |
| Shared finances | ✓ Yes | ✓ Yes | Partial | ✓ Yes |
| Business expense PDF | ✓ Yes | ✗ No | ✗ No | ✗ No |
| No data selling | ✓ Never | ✓ Yes | ✓ Yes | ✗ Ad-supported |
| Multilingual | EN / ES / HE | English only | English only | English only |
| Free trial | 45 days, no card | 34 days | 7 days | Free forever |
* Pricing as of April 2026. Verify independently.
Simple pricing
One price.
Everything included.
No per-seat fees. No hidden costs. Solo or with a partner — same price.
BEST VALUE
Annual
$59
per year · $4.92/mo · Save 30%
Solo or shared household
Unlimited receipt storage
Full budgeting & net worth
Business expense PDF reports
Priority support
Monthly
$7
per month · Cancel anytime
Everything in Annual
No long-term commitment
Switch to Annual anytime
Start your 45-day free trial →
No credit card · Cancel anytime · Secure checkout by Paddle