A budgeting app you can ask about the future
Cubit Vault is built around one thing other budgeting apps leave out: a simulator. Everything here — the budget, the goals, the scenario comparisons — exists to feed accurate numbers into projections you can actually act on.
The financial simulator
The simulator is the reason Cubit Vault exists. Point it at a decision — pay off a loan early, raise your 401(k) contribution, take on a mortgage — and it projects that choice across your whole financial picture. You see the payoff date move, the balance grow, the monthly budget tighten or loosen, all before you commit.
It doesn't guess. It runs your real income, expenses, and balances forward under the assumptions you set, so the projection reflects your money, not a generic example.
What makes the projections accurate
A budgeting foundation the simulator runs on
Categorized income and expenses aren't the product — they're the fuel. The more honestly your day-to-day budget reflects real life, the more trustworthy every projection becomes. Cubit Vault keeps that foundation simple so the simulator has clean numbers to work from.
Compare scenarios side by side
Most decisions aren't yes-or-no. Should you pay down the loan or invest the difference? Model both and put them next to each other. Seeing two futures side by side turns a gut call into an informed one.
Track goals against your projections
Set a target — an emergency fund, a down payment, a payoff date — and the simulator shows whether your current path actually reaches it, and when. If you drift, you find out while there's still time to adjust, not at the finish line.
What people use it for
Pay off debt early
Add extra to a loan and watch the payoff date jump forward and the interest shrink. Test $100 a month against $300 and see exactly what the difference buys you.
Max your investments
Turn up your monthly contributions and project the balance out for decades. See what saving a raise instead of spending it does to your future self.
Buy a house
Drop in a down payment, mortgage, and property taxes. Cubit Vault reshapes your budget around them so you know the monthly reality before you make an offer.
Start simulating your future
Cubit Vault is opening early access soon. Get in line, or reach out if you have questions.