Stop tracking the past. Start simulating your future.

Most budgeting apps show you where your money went. Cubit Vault shows you where it's going. Model a real decision — paying off debt early, maxing your investments, buying a house — and watch the projected outcome before you commit a single dollar.

Early access is opening soon. No spam — just one email when it's your turn.

Run the decision before you make it

A tracker tells you what already happened. A simulator lets you ask "what if?" and get a real answer. Here are three questions Cubit Vault is built to answer.

What if I paid off my car loan early?

Add an extra $200 a month to the loan and watch the payoff date jump forward. See how much interest you save, and whether that money buys you more freedom sitting in the loan or working somewhere else.

What if I maxed my retirement contributions?

Turn the dial on your monthly investing and project the balance out ten, twenty, thirty years. See what the raise you just got does to your future if you save it instead of spend it.

What if I bought a house next year?

Drop a down payment, a mortgage, and property taxes into the model. Cubit Vault reshapes the rest of your budget around it, so you know what the monthly reality looks like before you make an offer.

Why forward-looking beats backward-looking

Backward-looking budgeting sorts last month's transactions into categories. That's useful for spotting where money leaked out, but it can't tell you whether a decision you're weighing right now is a good one.

Every meaningful money question is about the future: Can I afford this? Should I pay this down or invest it? What happens to my plan if I do? Cubit Vault starts from your real budget and projects it forward, so the trade-offs are visible while you can still act on them — not in a report after the fact.

See how the financial simulator works, or read about what to expect on pricing.