A free alternative to Splitwise
A budgeting system, not an expense splitter.
Vaulra is a full envelope budgeting system with shared budgets, privacy controls, and a couple invite flow. It helps you plan spending before it happens, not just track it after.
Where Splitwise falls short for ongoing shared finances
Splitwise tracks who owes whom after expenses happen. It has no budgeting, no spending limits, and no way to plan ahead. For couples managing ongoing shared finances, Splitwise is a workaround, not a solution.
Vaulra takes a proactive approach: envelope allocations, a streamlined couple invite flow that gets both partners into a shared budget in minutes, and privacy controls that let you share selectively.
What Vaulra offers
Envelope budgeting with spending velocity and pace warnings
Shared budgets with per-member visibility controls
Couple invite flow with 2-step partner onboarding
Debt tracking and credit card expense tracking
Transaction import from CSV, Excel, and PDF
Free. No credit card required.