A free alternative to Copilot Money
Works on any device. No bank connection. No subscription.
Vaulra is a web app that runs in any modern browser. Envelope budgeting, shared budgets with granular visibility, and credit card tracking, all without connecting your bank.
Where Copilot falls short for cross-platform users
Copilot Money is a paid budgeting app that commonly relies on bank connections for transaction data and is centered on Apple platforms plus web access. If you use other platforms or want to avoid connecting your bank, Vaulra takes a different approach.
Vaulra addresses this with cross-platform access via any browser, privacy-first budgeting without bank connections, and a free price point with all features included.
What Vaulra offers
Envelope budgeting with named groups and AI auto-assignment
Shared budgets with granular per-member visibility
Credit card tracking without bank connections
Spending velocity and debt tracking
Transaction import (CSV, Excel, PDF) processed in your browser
Free. No credit card required.