Vault22
Family Circle

Plan your future together.
Keep what’s yours private.

Bring your partner or family into one shared view of the goals, budgets and progress that matter to all of you. You decide what each account shows, while everything else stays yours.

Create your Family CircleI have an invite code
One household view

See the month together, from payday to payday.

Shared budgets, shared goals and who’s sharing what, in one place, with Tara pointing out where there’s room to move.

A household view in Vault22: shared budgets and goals for the month, with Tara suggesting where there is room to move.
Progress together

Your financial life is rarely a solo project.

Rent and groceries with a partner, school fees, or something sent home every month? Those commitments shape your plans, and they tend to live across different accounts, apps and conversations. Family Circle brings these shared parts into one place.

You’re contributing R4,000 a month towards your mother’s household, while you and your partner save for a home deposit.

With Family Circle, you can see both side by side, and share only the accounts and categories you choose.

Shared on your terms

One Circle. Everyone decides what they bring.

Each person keeps their own Vault22 profile. For every account, choose ‘Full details’, ‘Balance only’ or ‘Private’, and hide categories like personal spending or gifts at your discretion.

Create your Family Circle
Household viewBudgets and goals
ThandiCurrent: FullSavings: Balance
NathanSavings: BalanceCard: Private
AmahleStudent: Full
GogoPension: Balance

What you set, versus what your Circle sees.

Choose a level per account. Hide categories you’d rather keep to yourself. Change it anytime.

Your settings

Accounts

FNB..1305Full detailsBalance onlyPrivate
Discovery..717fFull detailsBalance onlyPrivate
Capitec..2290Full detailsBalance onlyPrivate

Hidden categories

Transactions in these categories are hidden from family view

GiftsPersonal careEating outEducation

Your Circle's view

Your shared accounts

FNB ..1305R18,420 balance
Discovery ..717fR6,950 + 42 transactions
Capitec ..2290Not shared
Gifts, Personal careHidden

Illustrative data

Build what matters

Whatever you’re working towards, work towards it together.

Set shared goals in one household currency and track progress from payday to payday.

  • Your first home

    See how close your combined deposit is, and what could get you there sooner.

    62% of deposit

  • School fees

    Keep term-time costs visible well before they’re due.

    Due January

  • A fund for your first child

    Start early and watch it grow together.

    Just started

  • The next holiday

    Save towards it without the shared spreadsheet.

    75% there

  • A car

    Plan the purchase together before the finance conversation starts.

    33% saved

  • Investing for the long term

    See shared investments alongside everyday spending.

    Tracking

  • Supporting family

    Make regular support for parents or relatives part of the plan.

    Monthly

Progress looks different for every household. You define what matters, and Family Circle helps you see the path to it.

Set up your Circle in a few minutes.

  1. 1

    Create your Circle

    Start from the Family tab in Vault22.

  2. 2

    Choose a household currency

    ZAR, AED, USD, GBP or EUR. Each member can still use their own.

  3. 3

    Set your household month

    Pick the day your pay cycle starts, so budgets run payday to payday.

  4. 4

    Invite your people

    Share a code by link, WhatsApp or email. Codes expire after 7 days.

What's your household currency?

RZAR, South African RandAEDAED, UAE Dirham£GBP, British Pound

When does your household month start?

1234567891011121314Day 2: your budget period starts on the 2nd of each month.
Invite codeFAM-42895The code expires in 7 daysCopy invite linkShare via WhatsApp

However your household works.

  • Two housemates in a kitchen, comparing something on their phones.01

    Couples and housemates

    Plan a life together while keeping your own financial goals.

  • A father sitting with his daughter.02

    Families and households

    Coordinate shared costs, school fees and savings in one view.

  • An older couple at a table, looking at a phone together.03

    Extended family

    Keep support for parents or relatives visible, manageable and planned.

Family Circle questions, answered.

How sharing, privacy and invites work.

A Vault22 feature that brings partners or family members into one shared view of budgets, goals and the account information each person chooses to share.

Only if you choose. Each account can be set to Full details, Balance only or Private, and you can hide specific spending categories from the family view.

Create your Circle, then share the invite code by link, WhatsApp or email. Codes expire after 7 days.

Yes. You set one household currency for shared budgets and goals, and each member can keep their own.

The day your shared budget period starts, usually payday, so spending is tracked from payday to payday.

Yes. Everyone keeps their own Vault22 profile and decides what they bring into the Circle.

Progress together

The futures we build are rarely ours alone.

Start your Circle and bring the shared parts of your financial life into view.

Create your Family Circle

Invite by code. Share only what you choose.