Vaulty — your money companion

Vaulty is MonVa’s friendly money companion. It has two layers: a mood that reflects how you’re doing (always on-device), and a chat that answers questions about your finances (when you sign in).

Mood & gamification (on-device, free)

Vaulty’s expression reflects your real financial state — happy when you’re on budget or saving, gently concerned when you’re trending over. It’s the gamification made visible:

• Streaks — days in a row you stay on top of your money.
• Achievements — badges for good habits (first budget, a month under budget, no-spend days, and more).
• It celebrates good money behaviour, never spending — and a broken streak is never treated as failure. All computed on your device; you can turn it off.

Chat (sign in + premium)

Tap Vaulty to ask in plain language:

• “How am I doing this month?”
• “Where can I cut back?”
• “How are my budgets looking?”

Answers come from your own numbers. Privacy by design: the tools that read your data run on your device, and only scoped results (not your raw transactions) are sent to the AI to phrase the answer.