What banks does OptiVault support?

OptiVault connects with 12,000+ banks including major institutions like Chase, Bank of America, Wells Fargo, Citi, Capital One, US Bank, PNC, TD Bank, Goldman Sachs, Amex, Charles Schwab, Fidelity, and more.

How does OptiVault handle freelancer taxes?

OptiVault automatically calculates estimated tax rates (25-40%) for 1099 income, transfers money to a 'Tax Vault', and sends quarterly tax payment reminders. It helps freelancers avoid cash flow issues and IRS penalties.

What features does the AI provide?

The AI provides instant financial health checks, automatic transaction categorization, subscription tracking, spending analysis, abnormal spending alerts, and 24/7 financial advice chat support.

How much does OptiVault cost?

The app can be downloaded for free on iOS App Store with premium features available via in-app purchase. The annual fee is approximately $100/year, which is significantly lower than traditional financial advisors.

Optivault

WebsiteAppFreemium

OptiVault is an AI-powered personal financial advisor app for iOS that helps users optimize spending, track expenses, manage investments, and grow wealth through secure bank connections and intelligent recommendations.

Visit Website

Advertise This Tool

http://optivault.co/?ref=producthunt

Overview
Video
Alternatives

Product Information

Updated:Dec 29, 2025

What is Optivault

OptiVault is a comprehensive AI-driven financial management platform designed to make professional financial guidance accessible to everyone. As the #1 AI personal financial advisor for iOS, it combines advanced artificial intelligence, machine learning, and data analytics to provide personalized financial planning and wealth optimization services. The app connects securely with over 12,000 banks through Plaid integration and offers bank-grade security with 256-bit encryption to protect users' financial data.

Key Features of Optivault

OptiVault is an AI-powered personal financial advisor app for iOS that provides comprehensive money management features including bank account synchronization, automated spending analysis, subscription tracking, tax optimization, and wealth growth planning. The app uses artificial intelligence to deliver personalized financial insights, budgeting recommendations, and 24/7 AI support while maintaining bank-grade security through 256-bit encryption.

AI-Powered Financial Analysis: Uses artificial intelligence to analyze spending patterns, detect unnecessary subscriptions, highlight abnormal spending, and provide personalized financial recommendations

Secure Bank Integration: Connects with 12,000+ banks via Plaid using bank-grade 256-bit encryption, allowing secure read-only access to financial data for comprehensive tracking

Automated Tax Management: Provides automated tax harvesting, calculates estimated tax rates, and manages tax withholding for freelancers with variable income

Smart Budget Tracking: Automatically categorizes transactions and adjusts daily budgets, with widget support for home screen monitoring

Use Cases of Optivault

Freelancer Financial Management: Helps freelancers handle variable income, automate tax withholding, and avoid IRS penalties through AI income smoothing

Subscription Optimization: Identifies unused or duplicate subscriptions and helps negotiate better rates with service providers

Investment Portfolio Management: Provides wealth growth planning, retirement calculations, and investment recommendations at a fraction of traditional advisor costs

Pros

Significantly lower cost compared to traditional financial advisors ($100/year vs 1-2% of assets)

24/7 availability with instant AI support

Strong security measures with bank-grade encryption

Active community support through Discord

Cons

Only available on iOS platform

Not a registered financial advisor

Requires premium subscription for full feature access

How to Use Optivault

Download and Install: Download OptiVault from the iOS App Store and install it on your iPhone

Connect Bank Accounts: Use Plaid integration to securely connect your bank accounts, credit cards, and investment accounts by logging into your financial institutions through the app

Initial AI Analysis: Let the AI perform an initial financial health check by scanning your transaction history, which will automatically categorize spending and identify subscriptions

Review AI Insights: Check the AI's analysis of your spending patterns, subscription costs, and recommendations for potential savings opportunities

Set Financial Goals: Input your financial goals into the app for savings, investments, or debt payoff to get a customized roadmap

Enable Smart Budgeting: Allow the app to automatically categorize transactions and adjust your daily budget based on spending patterns

Monitor Net Worth: Track your net worth through the unified dashboard that shows all your accounts, investments, and progress towards financial goals

Use AI Support: Utilize the 24/7 AI chat feature for any financial questions or guidance on budgeting, taxes, or investments

Join Community: Connect with other users through the Discord community for additional support and tips

Regular Review: Check the app regularly to monitor spending, review AI insights, and adjust financial strategies as needed

Optivault FAQs

Yes, OptiVault uses Plaid to connect to financial institutions with bank-level AES-256 encryption. They never see or store your login credentials directly.