v2.0 Now Available on iOS

The Financial Brain
in your Pocket.

OptiVault is the #1 iOS app for automated wealth building. Sync your accounts, let the AI optimize your spending, and watch your net worth grow.

Download on iOS Join Discord
Bank-Grade Security
4.9/5 Rating
10,000+ Active Users
App Trailer

Connects with 12,000+ Banks via Plaid

Chase
Bank of America
Wells Fargo
Citi
Capital One
US Bank
PNC
TD Bank
Goldman Sachs
Amex
Charles Schwab
Fidelity
Barclays
Navy Federal
USAA
Chase
Bank of America
Wells Fargo
Citi
Capital One
US Bank
PNC
TD Bank
Goldman Sachs
Amex
Charles Schwab
Fidelity
Barclays
Navy Federal
USAA

A beautiful native experience

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More than just a budget app.

Most apps just show you what you spent. We tell you what to do next.

Instant AI Analysis

Connect your accounts and get a full financial health check in seconds. Our AI spots wasted subscriptions instantly.

Smart Budgeting

No more manual entry. The app categorizes every transaction and adjusts your daily budget automatically.

Bank-Level Security

We use 256-bit encryption and never sell your data. Your financial privacy is our top priority.

Experience Clarity

Four simple steps to financial freedom.

Securely Sync Accounts

Connect your bank accounts, credit cards, and crypto wallets securely via Plaid. We pull read-only data to categorize your spending instantly.

  • Bank-grade 256-bit encryption
  • Supports 10,000+ institutions
  • No credentials stored on our servers
Linked Accounts Active
🏛️
Chase Checking
**** 4291
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Amex Gold
**** 1023
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Deep AI Analysis

Our AI scans for "vampire costs"—subscriptions you forgot and fees you shouldn't pay. It builds a spending profile unique to you.

  • Detect duplicate subscriptions
  • Highlight abnormal spending spikes
  • Categorize purchases automatically
✨ OptiVault Insights

Subscription Alert

You are paying for both Spotify and Apple Music. Save $10/mo by cancelling one.

Spending Trend

Dining out is up 15% this month compared to your average.

Watch Your Wealth Grow

Set goals and let OptiVault guide you. Whether it's saving for a house or building an emergency fund, we create the roadmap.

  • Automated savings transfers
  • Net worth projection charts
  • Retirement planning calculator
Projected Net Worth
$142,500
+12% this year

Expert AI Support

Have a question about crypto, taxes, or budgeting? Chat with your AI advisor 24/7 or escalate to our human experts.

  • Instant answers to financial queries
  • Human expert review available
  • Community support via Discord
Should I buy a house now?
Based on your current savings rate of 15% and the market rates, I recommend waiting 6 more months to increase your down payment.

OptiVault vs. Traditional Advisors

Why the old way of wealth management is obsolete.

Comparison OptiVault AI Traditional Advisor
Annual Fee ✓ Flat ~$100/yr ✗ 1-2% of Assets (~$2k+)
Minimum Balance ✓ $0 ✗ Typically $100,000+
Availability ✓ 24/7 Instant ✗ 9-5, Appointment only
Bias & Conflict ✓ 100% Data Driven ✗ Sales Commissions
Tax Harvesting ✓ Daily Automatic − Quarterly/Manual
Subscription Control ✓ Built-in Manager ✗ Not Included

Loved by Thousands

★★★★★

"The AI actually understands my spending habits. I saved $400 in the first month just by cutting subscriptions I forgot about."

★★★★★

"Finally, a finance app that looks good and works perfectly. The dark mode is beautiful and the investment advice is spot on."

★★★★★

"The Discord community is amazing. The devs actually listen to feedback. This is the future of personal finance apps."

★★★★★

"I love the widget support. Seeing my daily budget on my home screen keeps me accountable without opening the app."

★★★★★

"OptiVault is the only subscription I'm happy to pay for. It literally pays for itself with the tax harvesting features."

★★★★★

"The AI actually understands my spending habits. I saved $400 in the first month just by cutting subscriptions I forgot about."

★★★★★

"Finally, a finance app that looks good and works perfectly. The dark mode is beautiful and the investment advice is spot on."

★★★★★

"The Discord community is amazing. The devs actually listen to feedback. This is the future of personal finance apps."

Frequently Asked Questions

Absolutely. We use Plaid to connect to your financial institutions, meaning we never see or store your login credentials. All data is encrypted with bank-level AES-256 encryption.
Yes! You can download OptiVault for free on the iOS App Store. We offer premium features via in-app purchase.
The AI provides educational insights and portfolio analysis based on modern financial theories, but it is not a registered financial advisor. Always do your own research.
You can manage your subscription directly through your Apple ID settings on your iPhone. There are no hidden fees or cancellation penalties.

Don't Finance Alone

Join 15,000+ users in our Discord. Share tips, get beta access to new AI features, and talk to the developers.

Join the Community