diff --git a/includes/utilities.php b/includes/utilities.php
index 61f273d..e44b2e8 100644
--- a/includes/utilities.php
+++ b/includes/utilities.php
@@ -205,32 +205,39 @@ function fetchVaultRecords($user = null) {
  * @return int The total balance of the given user (or all users if no user is given).
  */
 function vaultLoop ($name=null) {
-    $liveBalance = $name === null
-        ? null
-        : fetchLiveVaultBalance($name);
+    if ($name !== null) {
+        // Per-user path: prefer live /money balance, fall back to MAX(running_balance).
+        $liveBalance = fetchLiveVaultBalance($name);
+        if ($liveBalance !== null) {
+            return $liveBalance;
+        }
 
-    if ($liveBalance !== null) {
-        return $liveBalance;
-    }
-
-    // Fallback: derive from stored entries. Used when the live /money call
-    // fails or is not configured for the user.
-    $pdo = getDatabaseConnection();
-
-    if ($name === null) {
-        $stmt = $pdo->query(
-            'SELECT COALESCE(SUM(max_balance), 0) FROM '
-            . '(SELECT MAX(running_balance) AS max_balance FROM vault GROUP BY user)'
-        );
+        $pdo = getDatabaseConnection();
+        $stmt = $pdo->prepare('SELECT MAX(running_balance) FROM vault WHERE user = :user');
+        $stmt->bindValue(':user', $name);
+        $stmt->execute();
 
         return (int)$stmt->fetchColumn();
     }
 
-    $stmt = $pdo->prepare('SELECT MAX(running_balance) FROM vault WHERE user = :user');
-    $stmt->bindValue(':user', $name);
-    $stmt->execute();
+    // All-users path: sum the live /money value for each user. For any user
+    // whose /money call failed, fall back to MAX(running_balance) for that user.
+    $pdo  = getDatabaseConnection();
+    $sum  = 0;
+    foreach (USER_KEYS as $user => $apiKey) {
+        $live = fetchLiveVaultBalance($user);
+        if ($live !== null) {
+            $sum += $live;
+            continue;
+        }
 
-    return (int)$stmt->fetchColumn();
+        $stmt = $pdo->prepare('SELECT MAX(running_balance) FROM vault WHERE user = :user');
+        $stmt->bindValue(':user', $user);
+        $stmt->execute();
+        $sum += (int)$stmt->fetchColumn();
+    }
+
+    return $sum;
 }
 
 /**