Bring your money into VaultFlow in minutes

Three easy ways to get your real numbers in — no bank login, no typing every transaction, and what you import stays on your iPhone.

Pick your way

All three end up in the same place, and you can mix them — import your bank statement for spending history, then describe your bills and savings goals.

Bank statement

Best for: your real spending history, straight from your bank.

Sign in to your bank's website (a computer is easiest) and open the account you want.
Go to Activity or Statements, choose Download (or Export), and pick CSV — or “Quicken” / QFX / OFX if that's what's offered. Save the file.
Get the file onto your iPhone (AirDrop it, email it to yourself, or save it to iCloud Drive).
In VaultFlow, tap + → Import → Bank statement and pick the file.
Choose the account it belongs to — Chequing, Savings or Credit Card — and import. Card statement shows purchases as positive numbers? Turn on the card-statement switch first.

VaultFlow reads most banks' files as they are and skips anything you've already imported, so overlapping dates are fine. Import each account's statement separately.

Use AI

Best for: a PDF statement, a spreadsheet, messy notes — or starting from scratch.

Copy one of the two prompts below: Convert my data if you already have data, or Set up everything for me if you're starting fresh.
Paste it into ChatGPT, Claude or Gemini. For Convert my data, paste your data right under it. For Set up everything, just answer its questions.
The AI replies with a CSV in a code block. Copy it.
In VaultFlow, tap + → Import → Use AI and paste it in — or save it as a .csv file and pick the file.
Import it. Something not right? Tap Undo on the result screen, ask the AI to fix it, and try again.

Never paste account numbers, card numbers or passwords into an AI chat — VaultFlow's format never needs them.

Describe it

Best for: getting set up in a minute, in your own words. Needs an iPhone with Apple Intelligence.

In VaultFlow, tap + → Import → Describe it.
Type your finances the way you'd say them, like “I have 6k in chequing, rent is 1300 on the 1st, I get paid 2400 every other Friday and Netflix is 17 a month.”
VaultFlow fills everything in — accounts, bills, income and more — right on your iPhone, privately. Nothing is sent anywhere.
Something off? Tap Undo on the result screen and reword it, or edit it in the app like anything else.

Don't see Describe it? It needs an iPhone with Apple Intelligence turned on. The other two ways work without it.

Copy an AI prompt

Paste one into ChatGPT, Claude, Gemini or any AI chat app. They're the same two prompts you'll find in VaultFlow under Use AI.

Prompt 1 · Convert my data

For a bank statement, spreadsheet, or notes that VaultFlow can't read directly. Paste your data under it.

I'm importing my finances into the VaultFlow app. Convert the data I paste below into a CSV file VaultFlow can import.

Use exactly these columns, in this order:
type,name,amount,date,category,account,frequency,details,notes

Rules:
- One row per item, with the header row. Put quotes around any value that contains a comma.
- type is one of: transaction, account, bill, income, investment, crypto, property, debt, asset, goal, budget.
- Bank or card activity is type "transaction": money spent is negative (-54.20), money received is positive (1500).
- date is YYYY-MM-DD. amount is a plain number (no $ sign, no commas).
- account is Chequing, Savings, or Credit Card.
- category is one of: Housing, Utilities, Groceries, Transportation, Healthcare, Dining & Drinks, Shopping, Entertainment, Travel, Personal Care, Subscriptions, Insurance, Debt Payments, Savings & Investing, Fees & Charges, Gifts & Donations, Education, Pets, Kids & Family, Salary & Wages, Business & Freelance, Investment Income, Other Income. Pick the closest one, or leave it blank.
- account rows: amount is the current balance; for Credit Card it's the amount owed as a positive number, and details can be "limit=20000".
- bill and income rows: amount is positive, date is the next due date or payday, frequency is weekly, biweekly, monthly, quarterly, or yearly.
- investment rows: name is the ticker, amount is the number of shares, details is "cost=<average price paid per share>".
- crypto rows: name is the coin, amount is the quantity, details is "cost=<average price paid per coin>".
- property rows: amount is the current value, details like "mortgage=420000; payment=2000; insurance=160; tax=4500" (payment and insurance per month, tax per year).
- debt rows (loans and lines of credit, not credit cards or mortgages): amount is the balance owed, details like "rate=6.9; payment=350".
- asset rows: amount is the current value. goal rows: amount is the target, date is the target date, details "saved=<amount so far>". budget rows: category and monthly limit.
- Only use what's in my data — don't invent anything. Skip totals, running balances, and summary lines.
- Reply with only the CSV, inside one code block.

My data:

Prompt 2 · Set up everything for me

Starting from scratch? The AI asks simple questions, one at a time, then hands back one CSV with your whole financial picture.

You're helping me set up the VaultFlow money app. Interview me in plain, friendly language — one short question at a time. I'm not a finance expert, so keep it simple and give examples.

Cover, in this order (skip anything I say doesn't apply):
1. How much is in my chequing and savings right now, and how much I owe on my credit card (and its limit).
2. My regular income: amount, how often, next payday.
3. My regular bills: rent or mortgage, phone, internet, insurance, subscriptions, and so on — amount, how often, next due date, and whether I pay it from chequing or my credit card.
4. What I own: my home (value, mortgage left, monthly payment, home insurance, yearly property tax), car, and other valuables.
5. Loans or lines of credit: balance, interest rate, monthly payment.
6. Investments (tickers, number of shares, average price paid) and crypto.
7. Savings goals and monthly spending budgets I'd like.

When we're done, give me a CSV with exactly these columns, in this order:
type,name,amount,date,category,account,frequency,details,notes

Rules:
- One row per item, with the header row. Put quotes around any value that contains a comma.
- type is one of: account, bill, income, investment, crypto, property, debt, asset, goal, budget, transaction.
- date is YYYY-MM-DD. amount is a plain number (no $ sign, no commas).
- account is Chequing, Savings, or Credit Card.
- category is one of: Housing, Utilities, Groceries, Transportation, Healthcare, Dining & Drinks, Shopping, Entertainment, Travel, Personal Care, Subscriptions, Insurance, Debt Payments, Savings & Investing, Fees & Charges, Gifts & Donations, Education, Pets, Kids & Family, Salary & Wages, Business & Freelance, Investment Income, Other Income.
- account rows: amount is the current balance; for Credit Card it's the amount owed as a positive number, and details can be "limit=20000".
- bill and income rows: amount is positive, date is the next due date or payday, frequency is weekly, biweekly, monthly, quarterly, or yearly.
- investment rows: name is the ticker, amount is the number of shares, details is "cost=<average price paid per share>".
- crypto rows: name is the coin, amount is the quantity, details is "cost=<average price paid per coin>".
- property rows: amount is the current value, details like "mortgage=420000; payment=2000; insurance=160; tax=4500" (payment and insurance per month, tax per year).
- debt rows (loans and lines of credit, not credit cards or mortgages): amount is the balance owed, details like "rate=6.9; payment=350".
- asset rows: amount is the current value. goal rows: amount is the target, date is the target date, details "saved=<amount so far>". budget rows: category and monthly limit.
- Reply with only the CSV, inside one code block.

Start with your first question.

Keep it private: the prompts run in the AI app you choose, not in VaultFlow. Share only what you're comfortable sharing there — and never account numbers, card numbers or passwords.

The format

Most people never need this part — bank files and the AI prompts produce it for you. But if you like spreadsheets, here's everything. VaultFlow imports one simple CSV file (any spreadsheet app can save one). It can hold everything — balances, bills, income, investments, your home, debts, goals, budgets and past transactions — or just a list of transactions.

Include a header row. Column order doesn't matter and names aren't case-sensitive. Only amount is always required (plus date for transactions).

Columns

Column	What goes in it
`type`	`transaction`, `account`, `bill`, `income`, `investment`, `crypto`, `property`, `debt`, `asset`, `goal`, `budget`. Optional — if the file has no `type` column, every row is a transaction.
`name`	A label: the store/description, account name, bill name, ticker, coin…
`amount`	A number. `$` signs and thousands commas are tolerated. Meaning depends on `type` (below).
`date`	`YYYY-MM-DD`. Other common formats (`09/14/2026`, `14 Sep 2026`) are understood too.
`category`	One of the VaultFlow categories (below). Optional — guessed from the name if blank.
`account`	`Chequing`, `Savings`, or `Credit Card`.
`frequency`	`weekly`, `biweekly`, `monthly`, `quarterly`, `yearly` (bills & income). Default `monthly`.
`details`	Extra numbers as `key=value` pairs separated by `;` — e.g. `mortgage=420000; payment=2005.20`.
`notes`	Any text.

Swipe the table sideways to see more.

Row types

`type`	`amount` means	Useful columns / `details`
`account`	Current balance. For Credit Card, the amount you owe (positive).	`name` = Chequing / Savings / Credit Card. `details`: `limit=20000`. Several accounts of one kind are added together.
`transaction`	Negative = money out (−54.20). Positive = money in (1500).	`date` (required), `category`, `account`.
`bill`	What you pay each time (positive).	`date` = next due date, `frequency`, `account`, `category`.
`income`	What you receive each time (positive).	`date` = next payday, `frequency`, `account`.
`investment`	Number of shares.	`name` = ticker (`AAPL`, `VFV.TO`). `details`: `cost=` average price paid per share, `kind=stock/etf/fund/bond`.
`crypto`	Quantity of coins.	`name` = coin (`Bitcoin`, `ETH`). `details`: `cost=` average price paid per coin.
`property`	Current value.	`details`: `mortgage=` balance owed, `payment=` monthly payment, `insurance=` per month, `tax=` per year, `rate=` %, `kind=home/rental/vacation/commercial/land`.
`debt`	Balance owed (loans, lines of credit — not your credit card or mortgage).	`details`: `rate=` %, `payment=` monthly, `kind=car/student/personal/loc/medical/other`.
`asset`	Current value (car, jewellery, collectibles…).	`details`: `kind=vehicle/jewelry/art/electronics/furniture/equipment/metals/other`.
`goal`	Target amount.	`date` = target date. `details`: `saved=` amount saved so far.
`budget`	Monthly spending limit.	`category` = which category.

Swipe the table sideways to see more.

Example file

A whole financial picture in one CSV. Copy it, or download it and open it in any spreadsheet app.

Download sample CSV

type,name,amount,date,category,account,frequency,details,notes
account,Chequing,6718.08,,,,,,
account,Savings,6525.22,,,,,,
account,Credit Card,499,,,,,limit=20000,
income,Paycheque,2400,2026-10-03,Salary & Wages,Chequing,biweekly,,
bill,Rent,1300,2026-10-01,Housing,Chequing,monthly,,
bill,Phone,65,2026-10-12,Utilities,Credit Card,monthly,,
bill,Netflix,16.99,2026-10-04,Subscriptions,Credit Card,monthly,,
transaction,Costco,-154.20,2026-09-20,Groceries,Credit Card,,,
transaction,Tim Hortons,-4.85,2026-09-21,Dining & Drinks,Credit Card,,,
investment,VFV.TO,35,,,,,cost=187.13,
crypto,Bitcoin,0.011224,,,,,cost=89096.23,
property,My Home,465000,,,,,mortgage=429121.56; payment=2005.20; insurance=164.19; tax=4500,
debt,Car Loan,12000,,,,,rate=6.9; payment=350; kind=car,
asset,Honda Civic,18000,,,,,kind=vehicle,
goal,Emergency Fund,10000,2027-06-01,,,,saved=2500,
budget,,400,,Dining & Drinks,,,,

Keep it up to date

Re-importing never duplicates, so you can manage your money from a spreadsheet or an AI chat and bring the changes back in whenever you like:

ExportOpen Settings (your profile icon, top right) → Import & Export → Export. You get a CSV of everything, in this same format.
EditChange it in Numbers, Excel or Google Sheets — or paste it into an AI chat and ask, for example, “Change my rent to 1350, add a 50/month gym bill, and give me the updated CSV.”
Import againImport the file or paste the CSV. VaultFlow updates what changed and skips what's already there.

How matching works: transactions already in VaultFlow (same account, same day, same amount, same description) are skipped. Everything else is matched by name and updated — accounts by kind, bills, income, property, debts, assets and goals by name, investments by ticker, crypto by coin, and budgets by category. Keep names the same when you edit, so VaultFlow knows what to update.

Balances: imported transactions fill in your history and spending; they don't change account balances. Balances come from account rows — or tap an account in VaultFlow to edit it.

Questions

Is my data sent anywhere?

No. VaultFlow has no servers — whatever you import stays on your iPhone. Bank statement and Describe it both work entirely on your device. The AI prompts run in whichever AI app you choose, so share only what you're comfortable sharing there, and never account numbers, card numbers or passwords. VaultFlow's format never needs them.

Which banks work?

Most of them. VaultFlow reads the CSV files that bank websites export, plus OFX and QFX files (often labelled “Quicken”). Look for Download or Export on your account's Activity or Statements page. If your bank only offers a PDF, or a file won't import, copy the text into an AI chat with the “Convert my data” prompt and import the CSV it gives you.

My card statement shows purchases as positive?

That's normal for a lot of credit cards. When you import it, choose Credit Card as the account and turn on the switch for card statements that show purchases as positive. VaultFlow then counts purchases as money out and payments as money in.

What if some rows are skipped?

Usually that's VaultFlow protecting you: a transaction that's already in VaultFlow (same account, same day, same amount, same description) is skipped so nothing is counted twice. Rows are also skipped when VaultFlow can't use them, for example a row with no amount or a transaction with no date. Fix those rows in the file (or ask the AI to) and import again — everything that already came in won't be duplicated.

Can I undo an import?

Yes. The result screen you see after an import has an Undo button that takes that import back.

Do imported transactions change my balance?

No. Imported transactions fill in your history and spending, but they don't change your account balances, so importing an old statement never throws your balances off. Balances come from account rows in the file, or you can tap an account in VaultFlow to edit it.

Don't have VaultFlow yet?

It's free on the App Store — no subscription and no bank login.

Download on theApp Store

Stuck on a step? Email info@thebighead.ca or visit VaultFlow Support.