Works great alone. Built for sharing.
Budget by envelope. Share what matters. Keep the rest private.
Try the pace indicator
Add an expense. See what happens.
How Vaulra Works
Step 1: Create your first envelope
Pick a category, set an amount. It carries forward automatically.
Step 2: Add an expense
Log what you spend or import transactions. Each one lands in the right envelope.
Step 3: See your pace
Daily safe-to-spend and warnings before an envelope runs out.
Track every debt. Budget every payment.
Credit cards, loans, and other balances in one view
Linked payments reduce the balance automatically
Coverage indicator shows if your budget covers the minimum
Due date reminders before you miss a payment
Share the grocery envelope. Keep personal spending private.
Shared budgets run independently from personal ones
Fund the shared budget from your personal one
See changes as they happen
Read or edit access, per person, per envelope
Why Vaulra
How we compare.
| Feature | YNAB | Splitwise | Monarch | Copilot | Vaulra |
|---|---|---|---|---|---|
| Envelope budgeting | Categories, not envelopes | ||||
| Shared budgets | Manager sees all | Single shared budget | |||
| Per-member visibility | |||||
| Spending velocity | |||||
| Debt management | Basic accounts only | Basic tracking | |||
| AI insights | Financial summaries | Spending patterns | |||
| Cross-budget funding | |||||
| Free to start |
Your household. Your rules.
Per-member visibility
Control what each member sees. Read or edit, per person, per envelope.
Built on trust.
Browser-only processing
Bank statements are processed in your browser. Nothing is uploaded.
Free during early access
No credit card required. No trial. Every feature, every user.
No third-party sharing
Core operations do not transmit data to external services.
Envelope budgeting works because it forces intentional decisions. Vaulra makes those decisions easier and extends them to shared finances without losing privacy.