Vartu Download

Your money, all of it, on your iPhone.

Vartu is a personal finance app for iPhone that keeps spending, investments, pensions and property in one place — imported from your own statements, worked out on your phone, and never uploaded anywhere.

See the plans

Everything a money app should answer

Where it went this month, what is left until payday, what you own, and whether it is beating the market.

Vartu showing a portfolio's value and its chart

Portfolio and performance

Holdings across every account, average cost and gains, and a money-weighted return set against an index — on the money you actually had working.

Statements, not typing

Import CSV or PDF from any bank or broker: you pick the columns once and Vartu remembers. Trading 212, Interactive Brokers, Monefy, Moneyhub, Emma and Snoop exports come in with their categories.

Vartu showing where the money sits, by asset

Regular payments

Subscriptions and bills found in your history, with the next date and what changed. What is left until payday, counted from this month's money.

Spending in two taps

Add an expense from the app, the Home Screen widget, Siri or Back Tap. Categories, tags, search, receipt scanning — each line of a receipt kept.

Vartu showing a holding seen through the funds that contain it

What you really own

Your funds seen through to the companies inside them: how much of everything you hold is Apple, whether directly or in an S&P 500 tracker.

Dividends ahead

What your holdings paid and when, the dates coming up, and a three-year forecast — clearly marked as a forecast.

Nothing leaves your phone

Most money apps are a copy of your bank account on somebody else's server. Vartu is not.

Vartu's Home screen, with no sign-in anywhere

Free to start. One price for everything else.

Plan details and how billing works
Download

Free

£0
  • One spending account and one broker account
  • Manual entry, categories, tags and search
  • Prices for what you hold
  • Backups by hand, always

Vartu Pro

£49.99 a year
  • First month free
  • Unlimited accounts and a second currency
  • Statement import and rules that categorise it
  • Performance against an index, dividends, UK tax, goals
  • Look-through, targets, fees, property and pensions
  • Spreadsheets, automatic and iCloud backups, Siri

Vartu Pro Family

£69.99 a year
  • Everything in Pro
  • Shared with up to six people through Apple Family Sharing
  • Each person keeps their own records on their own phone
Vartu's Home screen held up to the camera

Yours, and nobody else's

Everything lives in one file on your iPhone. The privacy policy lists every single thing that can leave the device — and all of it is optional.

  • No sign-up and no Vartu account
  • No server holding your records
  • Face ID lock and a switch that hides every figure
  • No bank logins, no Open Banking
  • No ads, no analytics, no tracking
  • Full export and backups you can take anywhere

The long view, worked out for you

Everything in Vartu Pro
Download
Two goals in Vartu: a trip, reached, and a deposit at 71%

Targets and fees

A target share for each holding with the trades that reach it, and what fund and platform fees take from you over twenty years.

Adding an expense in euros in Vartu

Every currency, one total

Add what you spent in the currency you paid it in — euros on holiday, dollars online. Vartu keeps it as paid and counts it in pounds at that month's rate.

A pension pot of £412,600 in Vartu

Property and pensions

A home kept up to date by the UK House Price Index, pensions carried forward to the year you stop, and the State Pension beside them.

Questions? Answers.

Where is my data kept?

In one file inside the app on your iPhone. There is no Vartu account and no server holding your records, so nobody — including us — can see them.

Does Vartu connect to my bank?

No, on purpose. Bank connections send your transactions to a third party. Vartu imports the statements you download instead, remembers each bank's layout, and categorises what arrives.

How do prices get updated?

With a free key from a price provider — Twelve Data, Finnhub or Alpha Vantage — that you add yourself. Only ticker symbols are sent to that provider; no amounts or account details.

I used Moneyhub. Can I bring my history?

Yes. Import the CSV you exported: every transaction keeps its category and lands in the account it names. How to move across.

What happens if I stop paying?

Nothing you recorded is deleted, and a full export is always free. Paid features are simply locked until you subscribe again.

Is anything here financial advice?

No. Forecasts, tax estimates and rebalancing plans are arithmetic on your own figures, and they say so. Check anything important with a qualified adviser.