August 2026 — Investments & the front door
Investments: track pensions, ISAs, crypto and property by their current value — dated, honest, no fake live prices — rolling straight into your net worth. A public front page with a one-click live demo. Full-account JSON export. Faster first paint on large ledgers, fresh data when you return to the tab, and receipts now stored outside the database. Free plan now includes 2 accounts and 5 subscriptions.
August 2026 — Signature
Accent Metals: five hand-tuned accent themes in Settings (chart colors stay fixed — they're colorblind-validated). “Where it went”: a cycle flow chart on Reports showing income flowing into every named bill, category and what was left. An Insights feed of plain-English facts computed from your own numbers. A quiet shimmer on the moments you earn — a goal reached, a debt paid off.
August 2026 — Depth
Transfers as a first-class type (linked pairs, excluded from income/spending math). Budget rollover and per-cycle budget history. A snowball-vs-avalanche debt payoff planner with extra-payment simulation. A bills calendar across subscriptions, direct debits and debts. Deeper reports: category trends, subcategory drill-down, income breakdown.
August 2026 — Capture
Merchant memory with autocomplete and last-used category recall. Enter submits every dialog; “Save & add another” for burst logging. Add/search/reminders on every page. “Log this payment” on due bills. Bank-statement CSV import with column mapping and automatic categorization.
Earlier in 2026
Custom tile images and emoji on everything. Live-computed dashboards with honest failure states. Real Stripe billing. Two-factor authentication enforced at the database. Multi-currency accounts without fake exchange rates. Auto-detection of untracked subscriptions. PWA install. The foundations: budgets, subscriptions, direct debits, debts, goals, accounts, categories — Vaulty's three-pillar core.