Zero-based envelope budgets
Give every dollar a job each month. Unspent money rolls over, and “copy last month” sets up the next one in a click.
HomeVault by Streetwise Software Online
The zero-based budgeting app for your whole household
Give every dollar a job, track every bill and plan your debt payoff together — budgets, bills, savings goals and net worth in one private web app that works on your phone and your computer.
No card needed Every feature included Cancel any time
What you can do
Budgets, bills, goals and debt payoff in one household budget app
Bills calendar
See what’s due and overdue on one calendar, mark bills paid and get a heads-up a few days early.
Subscription tracker
See every streaming service, app and membership with its true yearly cost, and when free trials turn into charges.
Savings goals
Put a target and a date on each goal and see how much to set aside every month.
Debt payoff planner
Compare snowball and avalanche plans and see your debt-free date and the interest you’ll save.
Household members
Tag accounts, spending, bills and goals as mine, yours or ours, and see who spent what.
Tax-time summary
Tag deductible spending all year, then print one tidy PDF for you or your tax preparer (Family plan).
Import and export
Import your bank’s CSV, OFX, QFX or QBO files. Export to Excel, QuickBooks, Quicken, PDF or a full backup.
How it works
Up and running in three steps
- 1
Start your free trial
Create your vault with just an email and password. Add your household members and pick a look you like.
- 2
Add your accounts
Add checking, savings, cards and loans, then import the statement files from your bank or type a few transactions in.
- 3
Plan and relax
Set a budget, line up your bills and goals, and check in for a few minutes a week. HomeVault does the math.
Zero-based envelope budgeting, month by month
Ready to Assign, rollover and “copy last month”
Start each month with the money you have and give every dollar a category until “Ready to Assign” reaches zero. Each envelope shows what’s spent and what’s left, unspent money can roll over, and next month starts from last month’s plan.
Bills calendar and subscription tracker
Due and overdue reminders, autopay flags and a calendar feed
Rent, power, phone, insurance and car payments all land on one calendar with due and overdue reminders. Flag the ones on autopay, add the .ics feed to your phone’s calendar, and spot forgotten subscriptions and free trials before they renew.
Savings goals, net worth and a 90-day cash-flow forecast
See where you’re headed, not just where you’ve been
Track each savings goal with a progress ring and the amount needed per month. Watch your net worth over 6, 12 or 24 months, and look 90 days ahead to see whether upcoming bills and paychecks leave you in the clear.
Tax-time summary for your preparer (Family plan)
No more shoebox of receipts
Charitable gifts, medical costs, mortgage interest, property tax, childcare and education are tagged as you go, along with HSA activity. At tax time, print one summary PDF for you or your preparer. It organizes your records; it is not tax advice.
A family budget app built for “mine, yours, ours”
Tag accounts, bills and goals by household member
Add your partner and kids as household members. Tag accounts, transactions, bills, subscriptions and goals to each person, and see spending by member. Pro includes 4 members; Family includes up to 10.
Debt payoff planner: snowball vs. avalanche
See your debt-free date
Compare paying the smallest balance first (snowball) with the highest interest rate first (avalanche), or minimums only. See a payoff date for every debt, the months and interest you save, and a balance-over-time chart.
Import your bank files, export anywhere
CSV, OFX, QFX and QBO in. QuickBooks, Quicken, Xero, Excel and PDF out
HomeVault doesn’t connect to your bank and never asks for your bank password. Download the file your bank provides and import it: duplicates are skipped and your rules categorize transactions for you.
Private and secure by design
Your household’s data stays yours
Passwords are stored only as one-way hashes, every record is private to your household, and sign-in attempts are rate-limited. No ads, and you can export everything or delete your account at any time.
A look inside
Clear screens that answer “are we okay this month?”
October budget$412 left to assign
Budget at a glance
Every category shows what’s spent and what’s left, with a warning before you go over.
Coming up3 bills this week
21OCTElectric & gasAutopay$138.40
23OCTCar paymentCredit union$389.00
25OCTInternetDue in 5 days$70.00
Bills that never sneak up
See what’s due this week and mark it paid — the transaction is recorded for you.
Savings goalsOn track
Emergency fund$6,400 of $10,000
Summer trip$1,050 of $3,000 · by June
Goals you can watch grow
Know exactly how much to set aside each month to hit every goal on time.
Plans
Plans and pricing
Try every feature free for 15 days, then choose Pro or Family. Compare plans in detail.
Pro
$7.99/month
Or $69.00/year with yearly billing.
Unlimited accounts, every import and export, planners and forecasts.
- Unlimited accounts
- 4 household members
- Zero-based budgets with rollover
- Bills, calendar & subscription tracker
- Savings goals
- CSV, OFX, QFX & QBO bank import
- QuickBooks, Quicken, Excel & PDF exports
- Debt payoff planner
- 90-day cash flow forecast
Family
$10.99/month
Or $99.00/year with yearly billing.
Everything in Pro plus up to 10 household members and tax-time tools.
- Everything in Pro
- Up to 10 household members
- Tax-time summary & PDF for your preparer
- Per-member spending reports
- Priority email support
Every account starts with a 15-day free trial of every feature — no card needed. There is no free plan: after the trial, choose Pro or Family. Prices in US dollars; sales tax, where it applies, is shown at checkout. Paid plans renew automatically until you cancel, and you can cancel online in one step. Terms · Refund & cancellation policy
Questions
Frequently asked questions
What is a zero-based budgeting app?
It is an app where you give every dollar of income a job until “Ready to Assign” reaches zero. HomeVault does this with monthly envelopes, per-category rollover and “copy last month”.
Is HomeVault free?
No. There is no free plan. Every account starts with a 15-day free trial of every feature, with no card needed. After that, Pro is $7.99/month ($69/year) and Family is $10.99/month ($99/year).
What happens when my free trial ends?
If you choose Pro or Family, nothing changes. If you don’t, your account becomes export-only: you can still sign in and download all your data (CSV, Excel, QuickBooks, Quicken, OFX, PDF and a full backup), but nothing else works. 7 days later the account and all its data are permanently deleted. The deletion date is shown in the app.
Can my partner and I share one budget?
Yes. Household members can tag accounts, transactions, bills and goals as mine, yours or ours. Pro includes 4 members; the Family plan supports up to 10 members and includes a spending-by-member report.
Does HomeVault connect directly to my bank?
No. HomeVault does not use automatic bank sync, so it never asks for your bank password. You import the CSV, OFX, QFX or QBO files your bank provides. Duplicates are detected and your rules categorize transactions automatically.
What is the difference between the debt snowball and debt avalanche methods?
Snowball pays off the smallest balance first. Avalanche pays off the highest interest rate first. HomeVault’s debt payoff planner compares both and shows payoff dates and the interest saved.
Can I export my budget to QuickBooks, Quicken or Excel?
Yes. HomeVault exports QBO and CSV for QuickBooks Online, IIF for QuickBooks Desktop, QFX for Quicken, OFX for Xero, and Excel, PDF and JSON.
Does HomeVault help with taxes?
The Family plan’s tax-time summary totals charitable gifts, medical costs, mortgage interest, property tax, childcare, education and other categories, and exports a PDF for your tax preparer. It is not tax advice.
Can I cancel any time?
Yes, online in one click on the Plan & billing page. You keep your plan until the end of the period you paid for and are not charged again.
Can I use HomeVault on my phone?
Yes. HomeVault is a web app that works in any modern browser, and its layout adjusts down to phone-sized screens. There is nothing to install.
Ready for calmer money?
Start your 15-day free trial today. No card, no commitment.
Start your free trial