VaultFlow review
Budget, bills and net worth without a bank login
- The Big Head
- Free
- iPhone & iPad
Does it deserve #7?
The verdict
VaultFlow covers spending, bills and net worth in four simple screens, and it does it without asking for your bank password. You import your bank's statement file instead, and duplicates are skipped. Bills remind you before they are due, and the wealth view tracks accounts, cards, investments, property and loans. It needs more manual effort than Monarch, but it costs nothing and keeps your data on your device.
- Bank statement import with dedupe
- Bill reminders and paid tracking
- Net worth with assets and debts
- Budgets per spending category
Score breakdown
Overall = features 30% · design 20% · speed 20% · value 15% · privacy 15%. Why these weights?
What we like
- No bank login and no subscription
- Bills, budgets and net worth in one place
- Export everything as a spreadsheet any time
What could be better
- No automatic transaction sync
- Apple devices only, with no web or Android app
Budgeters who want a free, private app and don't mind importing statements
you want transactions to flow in automatically from every account
Questions about VaultFlow
Is VaultFlow free?
Yes. VaultFlow is free on the App Store with no subscription.
Does VaultFlow need my bank login?
No. You import your bank's statement file (CSV, OFX or QFX) instead, and your data stays on your device.
What are the best alternatives to VaultFlow?
The closest alternatives are YNAB, Monarch Money and Rocket Money. See all of them ranked on our VaultFlow alternatives page.
Where does VaultFlow rank?
VaultFlow ranks #7 of 10 in our Money & Investing ranking, with an overall score of 8.4 out of 10.