Personal Finance · 2026
Everything you own. Encrypted.
Bank-grade encryption. No account. No server. Just your vault.
by Shamikh Ahmed
The Problem
Managing money across
PK · UK · UAE is chaos.
Finance apps want your logins — and phone home with your data.
Diaspora families juggle PK, UK, and UAE — with no private ledger.
Privacy traded for convenience — you always pay with your data.
The Solution
Everything.
Encrypted.
Offline.
0
Servers
0
Accounts
0
Subscriptions
One app. Your device. Your rules. Forever.
Security First
Bank-grade encryption. On your phone.
Your PIN never touches a server. The key lives only in memory — never on disk.
6-digit PIN
→
PBKDF2
310,000 iterations
310,000 iterations
→
AES-256-GCM
→
localStorage
310K Iterations
AES-256-GCM
Memory-only Key
Decoy Vault
Panic Lock
Master Key Backup
Zero Cloud
Your data never leaves.
No server. No account. No tracking. Just you and your device — fully offline.
0
Servers
0
Cloud Deps
0
Accounts
PWA — No App Store Required
iPhone · Android · Mac · Windows — installs in 10 seconds
Your vault stays on your phone
Encrypted before it's saved. Works without the cloud.
QR Device Transfer
Move your vault device-to-device via encrypted QR — no internet needed
22 Modules
Everything in one vault.
Banks · cards · docs · family · zakat · tax — modular, toggle what you need.
Dashboard
Know your net worth.
Net worth hero · Money widget with multi-currency cash · expiry alerts · 5-second overview.
Net Worth Hero
Live total across cash, investments, assets & gold · currency toggle · trend arrows
Vault Health Score
PIN · decoy · backup · name — live checklist + progress bar
Expiry Alerts
Cards & documents expiring within 60 days — colour-coded urgency
Quick Stats
Banks · Cards · Docs · Investments — tap any tile to jump straight in
Banks
50+ banks. Type 3 letters. Done.
Country-grouped smart search with SWIFT auto-fill — PK · UK · UAE in seconds.
🇵🇰
50+ PK
🇬🇧
40+ UK
🇦🇪
25+ UAE
🇵🇰
Pakistan
HBL · Meezan · UBL
MCB · Alfalah · Faysal
Sadapay · JazzCash
MCB · Alfalah · Faysal
Sadapay · JazzCash
🇬🇧
United Kingdom
Monzo · Starling · Revolut
Barclays · HSBC · NatWest
Wise · Lloyds · Chase
Barclays · HSBC · NatWest
Wise · Lloyds · Chase
🇦🇪
UAE
Emirates NBD · FAB
ADCB · Mashreq · DIB
RAKBank · Wio · Liv.
ADCB · Mashreq · DIB
RAKBank · Wio · Liv.
Cards
Cards that look like cards.
Apple Wallet style · network auto-detection · front/back photo capture.
HBL
HBLDEBIT
**** **** **** 1234
Card Holder
AHMED S
Valid Thru
09/27
M
MonzoDEBIT
**** **** **** 5678
Card Holder
SHAMIKH A
Valid Thru
12/26
ENBD
Emirates NBDCREDIT
**** **** **** 9012
Card Holder
S AHMED
Valid Thru
03/28
Documents
Every document. Never lost.
Passports · visas · licences — categorised, expiry-tracked, front & back photos.
Passports & Visas
Expiry alerts 90 days out · country flags
Driving Licences
DVLA · NTRC · both sides stored
Photo Capture
Front & back · compressed and stored locally
⏰
Expiry Alerts
Colour-coded urgency — red <30d, amber <90d
15+ document types · CNIC · NTN · NHS · National Insurance · PAN and more
Family Vault
A mini-vault per family member.
Head of family master view · per-member docs, banks, cards, cash, investments.
Head of Family Master View
Unified family stats — documents, banks, investments at a glance
Individual Profiles
Photo · documents · banks · cards · cash · investments per member
Family Expiry Alerts
Passports & visas across the whole family — never miss a renewal
Family Investments
Portfolio visibility across every member's assets — multi-currency
Your finances
Know your
net worth.
Investments · Cash · Loans · Gold · Currency · Zakat · Tax · Credit — all offline, all encrypted.
5
Currencies
3
Tax Systems
Full
Zakat Calc
3
Credit Bureaus
Investments
Every position. One portfolio.
Stocks · mutual funds · crypto · real estate · NSS — multi-currency, P&L tracked.
Stocks & ETFs
PSX · LSE · NYSE
Mutual Funds
Meezan · NBP · UBL funds
₿
Crypto
BTC · ETH · any coin
Real Estate
Property value tracking
NSS / Bonds
Prize bonds · sukuk
Multi-Currency
PKR · GBP · USD · AED
Cash & Loans
Every rupee, pound, dirham.
Multi-currency cash · per-currency dashboard breakdown · loans with net impact · due date alerts.
Cash Entries
Home safe · wallet · office · abroad — labelled, multi-currency
Loans
I owe / they owe — currency-converted net impact on your net worth
Due Date Alerts
Overdue loans surface in red · settled loans archived cleanly
Net Position
I owe vs. owed me · converted to base currency · live summary bar
Precious Metals
Gold. Silver. Platinum.
Weight · value · Zakat eligibility — tracked in grams, tola, oz, or kg.
Gold
Silver
⬜
Platinum
Multiple Weight Units
Grams · tola · troy oz · kg — converts automatically
Live Price Per Unit
Enter market price · vault calculates total value in your currency
Zakat Nisab Flag
Gold & silver auto-included in Zakat calculation — nisab threshold tracked
Currency & Net Worth
One net worth. Any currency.
Live FX rates · toggle between PKR · GBP · USD · AED · EUR with one tap.
🇵🇰 PKR
🇬🇧 GBP
🇺🇸 USD
🇦🇪 AED
🇪🇺 EUR
Live Exchange Rates
Pulled from Currency module · tap to update · fallback to stored rate
Net Worth Snapshots
Snap a point-in-time reading · trend arrows show direction since last snapshot
Zakat Calculator
Zakat. Calculated right.
FBR auto-deduction mode · personal nisab · Quranic 2.5% · printable report.
Personal Mode
Cash · gold · silver · stocks
Business assets · receivables
Nisab threshold check
2.5% due — Quran 9:103
Business assets · receivables
Nisab threshold check
2.5% due — Quran 9:103
FBR Mode 🇵🇰
Bank auto-deduction (2.5%)
Nisab: 612g silver threshold
Exempt: house, car, jewellery
Printable Zakat summary
Nisab: 612g silver threshold
Exempt: house, car, jewellery
Printable Zakat summary
وَأَقِيمُوا الصَّلَاةَ وَآتُوا الزَّكَاةَ — Al-Baqarah 2:43
Tax Calculator
Three countries. One tool.
Professional tax calculations — printable reports, editable rates, fully offline.
🇵🇰 Pakistan
FBR 2024–25 & 2025–26
Salaried · Business
Non-filer surcharge
IT Export exemptions
Salaried · Business
Non-filer surcharge
IT Export exemptions
🇬🇧 United Kingdom
Capital Gains (18/24%)
Inheritance Tax (IHT)
Stamp Duty (SDLT)
Dividend allowance
Inheritance Tax (IHT)
Stamp Duty (SDLT)
Dividend allowance
🇦🇪 UAE
VAT 5% calculation
Excise tax rates
Free Zone CT rules
Corporate exemptions
Excise tax rates
Free Zone CT rules
Corporate exemptions
3
Tax Systems
2
FBR Years
0
Subscriptions
Credit Score
Know your score. Own it.
UK · Pakistan · UAE bureaus — track scores, understand factors, improve.
🇬🇧
United Kingdom
Experian
Equifax
TransUnion
Equifax
TransUnion
🇵🇰
Pakistan
eCIB (SBP)
PMFBL
Microfinance
PMFBL
Microfinance
🇦🇪
UAE
AECB
Al Etihad
Credit Bureau
Al Etihad
Credit Bureau
Track score history · note factors · set improvement goals · link to bureau logins
Vehicles
Never miss a deadline.
MOT · road tax · insurance · fuel log — tracked with colour-coded urgency.
MOT Tracker
30-day alerts · pass/fail history · direct link to DVSA check
Road Tax Renewal
Renewal date · reminder integration · colour urgency: red / amber / green
Fuel Log
Mileage · cost per fill-up · mpg calculation over time
Insurance
Policy number · provider · expiry · premium — all encrypted
Alerts
Nothing slips through.
One centralised screen — every expiry, overdue loan, and deadline in one place.
Critical (<30 days)
Passport expiry
MOT due
Overdue loans
Card expired
MOT due
Overdue loans
Card expired
Upcoming (<90 days)
Visa expiry
Road tax renewal
Insurance renewal
Loan due date
Road tax renewal
Insurance renewal
Loan due date
Pulls from: Documents · Cards · Vehicles · Loans · Reminders — one tap to fix
Tab Customisation
Your vault. Your rules.
Show or hide any module — declutter your vault so only what matters is visible.
Hide Unused Modules
Toggle any Finance tab on or off — data is preserved, just hidden from view
Per-Member Family Tabs
Each family profile shows only the tabs that apply to that member
Dark / Light / System
Appearance follows you — Settings → Appearance
Reminder Frequency
Daily · weekly · monthly reminders — custom notes per entry
Joint Accounts
No double counting.
Mark any account as shared — net worth automatically excludes duplicates.
The Problem It Solves
A joint account appears in both your vault and your spouse's profile. Without the flag, your net worth is counted twice — inflating the total by the full balance.
Mark as Joint
Toggle on any bank account — vault deducts the overlap from your net worth
Link to Contact
Associate the joint holder with a name from your contacts or family
Security Deep Dive
Built like a bank vault.AES-256-GCM encryption · PBKDF2 key derivation · decoy vault · master key backup.
PIN
→
PBKDF2
310K iterations
310K iterations
→
AES-256
GCM mode
GCM mode
→
Encrypted
localStorage
localStorage
Decoy Vault
Second PIN shows fake data — real vault invisible under duress
Master Key Backup
Generate a recovery key — restore vault even if PIN is forgotten
Panic Lock
One tap — instantly blanks all sensitive values on screen
⏱️
Auto-Lock
Locks on screen hide · configurable timeout · lockout after failed PINs
By The Numbers
The whole picture.
Everything you need. Nothing you don't.
120+
Banks
22
Modules
3
Tax Systems
Full
Zakat
3
Modes
5
Currencies
0
Cloud Deps
AES‑256
Encrypted
Offline after first load. Add to Home Screen. Your data never leaves.
Live Now
shamikhahmed.github.io/VaultCap
Demo PIN: 123456 · No sign-up · No cloud · No tracking
Example stories · VaultCap · All examples
Built by Shamikh AhmedDirector, NEWS Logistics · Founder, TheSolution360
July 2026 · v5.4.0