A free alternative to Monarch Money
No bank connection required. Your data stays in your browser.
Vaulra imports transactions from CSV, Excel, and PDF files processed entirely in your browser. No Plaid connection. File contents are not sent to Vaulra servers.
Where Monarch falls short for privacy-first budgeting
Monarch Money is a paid budgeting app that commonly relies on bank connections for transaction data. Some users are uncomfortable connecting their bank accounts to a third-party service, and broken connections can mean missing data.
Vaulra addresses this with privacy-first budgeting that works without bank connections, granular per-member visibility controls for shared budgets, and a free price point with no trial period.
What Vaulra offers
Envelope budgeting with named groups
Shared budgets with per-member visibility controls
Credit card tracking without bank connections
Automatic card balance updates via the "Paid with" field
Dashboard showing the gap between what you owe and what you have allocated
Transaction import (CSV, Excel, PDF) processed in your browser
Free. No credit card required.