A free alternative to YNAB
Free. With privacy controls YNAB does not offer.
Vaulra uses the same envelope budgeting method as YNAB but adds granular per-member visibility controls for shared budgets. You choose what each person can see.
Where YNAB falls short for shared finances
YNAB is a paid budgeting app. For households sharing a budget, YNAB Together gives the Group Manager broad visibility into member budgets, while Vaulra focuses on selective envelope visibility for shared finances.
Vaulra addresses this with granular privacy controls that let each person see only what the budget owner permits, AI-assisted envelope group assignment that reduces manual setup, and a free price point.
What Vaulra offers
Envelope budgeting with named groups and AI auto-assignment
Shared budgets with per-member, per-envelope visibility
Credit card expense tracking with automatic balance updates
Debt tracking with coverage indicators
Spending velocity and daily safe-to-spend
Transaction import (CSV, Excel, PDF) processed in your browser
Free. No credit card required.