AI · alternatives · 2026
24 alternatives to VaultTrace — Find Your Forgotten 401(k)
Find every forgotten 401(k) you've ever had — automatically
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier.
- 1
- 2
- 3
Due to bike-induced concussions, I've been worried for a while about losing my memory and not being able to log back in. I combined shamir secret sharing (hashicorp vault's implementation) with age-encryption, and packaged it using WASM for a neat in-browser offline UX. The idea is that if something happens to me, my friends and family would help me get back access to the data that matters most to me. 5 out of 7 friends need to agree for the vault to unlock. Try out the demo in the website, it runs entirely in your browser!
Feb 2026 · eljojo.github.io · its alternatives →
- 4
Ray▲293I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
- 5
neo.tax 2.0▲19810 minutes could save your startup 10% or more on payroll
2021 · neo.tax · its alternatives →
- 6
Put your state compliance on autopilot
2023 · abstractops.com · its alternatives →
- 7IB
2019 · getretire.com · its alternatives →
- 8
employkids▲112The IRS lets you hire and pay your kids for real work. That earned income can go into a Roth IRA and grow tax-free. $4k/year from age 10-18 becomes over $1M by retirement. The catch? Paperwork. Agreements, work logs, payment records. Most parents never bother because it's annoying. employkids makes it easy.
Jan 2026 · employkids.com · its alternatives →
- 9
Easily track your net worth and find your retirement age
2023 · its alternatives →
- 10
- 11
A private subscription tracker — no bank link required
Jul 2026 · verdant-sunburst-5b45c3.netlify.app · its alternatives →
- 12
SpendKeep▲27The Privacy-First Expense Tracker. No Bank Login Required.
Jul 2026 · spendkeep.com · its alternatives →
- 13TF
After having been a regular employee for years, I worked as a freelancer for a while. Going into my freelancing life I had no real mental model for how much of the money I earned was truly mine to spend, and how much of it I needed to set aside for taxes, vacations, retirement, and in case I got sick. I modelled this in Excel as best I could and was quite surprised both by how complicated it was to get right, and how much money I actually needed to set aside! As my girlfriend also started freelancing last year, I decided to turn my Excel sheet into a little program she could use too, and in…
2022 · its alternatives →
- 14
- 15
Securely map your financial life, no credentials required
May 2026 · successionkeeper.com · its alternatives →
- 16
Get an Automated Financial Digest in your Inbox for $5
2024 · findaily.io · its alternatives →
- 17
Hi HN, I'm the solo founder of Helm Terminal (helmterminal.dev). It's a free portfolio analytics tool that connects to your accounts via Plaid and surfaces actionable insights and intelligence. Concentration risk, tax-loss harvesting, earnings exposure, idle cash, sector drift, etc. Automatically, every day. Every other portfolio tracker/brokerage I've tried showed me balances and pie charts but never informed me what to do or what was going on. I'd check my accounts, see things were generally "fine", and move on. Then I realized I'd been sitting on thousands of dollars in unharvested…
Apr 2026 · helmterminal.dev · its alternatives →
- 18
- 19
- 20
Find hidden subscriptions & money leaks in your bank CSV
Jun 2026 · mymoneyleak.com · its alternatives →
- 21
VaultLeapfree tier, from $14.99/mo▲10I'm Greg, co-founder of VaultLeap. Built this for founders who can't get a US bank account. USD/EUR/MXN accounts with real ACH routing numbers and we have Visa cards coming soon. If you've been cut off from Mercury or similar recently, DM me — happy to help some founders out.
2025 · vaultleap.com · its alternatives →
- 22
Most retirement calculators either oversimplify things or ask you to link your accounts so they can make money off your data. I wanted something that actually helped me see if I was on track without handing over a bank login, so I built RetireNumber. It's a privacy-first retirement planner. You type in your own numbers. No account linking, no selling your data, no VC. Just me and a subscription. The engine does real math: Monte Carlo with 1,000 runs, historical backtesting to 1928 using Shiller's Yale data, tax-aware withdrawal strategies, and scenario comparison so you can try different…
Feb 2026 · retirenumber.com · its alternatives →
- 23
- 24
Know your real money. Financial Dashboard for freelancers.
May 2026 · freeledger.dev · its alternatives →
Also compare
Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →