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Envelope budgeting that knows you share.

Envelope budgeting that works alone and scales to households.

Shared budgets

For couples who share rent but keep personal spending private. Budget together with independent visibility controls. No one sees more than they should.

Per-member visibility

For households where one person manages the budget and others need structured access. Control exactly which envelopes, income sources, and transfers each member can see and edit.

Envelope budgeting

For anyone who wants to know where their money goes. Allocate income into purpose-driven categories. Your structure carries forward every month.

Spending velocity

For anyone who wants to avoid running out mid-month. See your daily safe-to-spend amount. Get warnings days before an envelope runs out.

Envelope tracking

For anyone managing multiple spending categories. Track what remains in each envelope. See every expense and how it affects your balance.

Debt tracking

Track credit cards, loans, and other obligations. Link debt payments to budget envelopes — when you pay your credit card, the balance updates automatically. Set up recurring debt payments and they auto-generate each month.

Intelligent import

For anyone tired of manual entry. Drop your bank statement. Transactions auto-classify to the right envelopes. All processing stays on your device.

Built for sharing from day one

YNAB shares entire budgets.
Vaulra lets you control visibility per envelope, per person.
Learn more about visibility controls
Monarch and Copilot are built for individuals.
Vaulra treats shared finances as first-class.
Learn more about shared budgets
Splitwise splits expenses after the fact.
Vaulra budgets proactively with real-time collaboration.
Learn more about proactive budgeting

A budget app that works great alone and is built for sharing.

See the full feature set

Free during early access. No credit card required.