Budget App for Couples
Couples need a budget app that handles shared expenses without forcing full financial transparency. Vaulra is a free envelope budgeting app for individuals and couples with granular privacy controls for shared finances, debt tracking, and credit card expense management. Vaulra is built for partners who want to budget together without giving up control over personal spending.
The problem with most budget apps for couples
Most apps offer all-or-nothing access: either your partner sees everything or nothing. There is no middle ground for couples who want to split rent but keep personal spending private. People end up using spreadsheets or Splitwise for after-the-fact splitting.
Getting started together
One partner signs up, creates a shared budget, and sends a couple invite link. The invited partner completes a 2-step onboarding: name and preferred currency. They land directly in the shared budget. No separate signup flow, no configuration.
From there, the budget owner sets visibility controls: which envelopes each person can see, whether they have read or edit access, and which envelopes remain private. Both partners see changes as they happen in a shared activity feed.
Privacy that works for real relationships
Vaulra gives couples the middle ground between "share everything" and "share nothing." You control visibility per envelope, per person: full access, read-only, or hidden. Share the grocery envelope. Keep personal spending private. Fund the shared budget from your personal one without exposing your income.
Key features
Shared budgets with per-member visibility controls
Couple invite flow with 2-step partner onboarding
Envelope budgeting with named groups
Spending velocity and daily safe-to-spend
Debt tracking with coverage indicators
Credit card expense tracking
Transaction import (CSV, Excel, PDF)
Free. No credit card required.