SmartFolio vs VaultFlow
Which is better in 2026? Five scores, side by side.
It's close: SmartFolio edges it 8.5 to 8.4, so the right pick depends on what you need. SmartFolio wins on 3 of the 5 scores, VaultFlow on 0, with 2 tied.
Dividend and long-term investors who want a private, free portfolio view
Budgeters who want a free, private app and don't mind importing statements
Score by score
The details
| Feature | SmartFolio | VaultFlow |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #6 of 10 | #7 of 10 |
| Developer | The Big Head | The Big Head |
| Pricing | Free | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
Strengths and weaknesses
SmartFolio
- Free with no ads, no account and no in-app purchases
- Your data never leaves your iPhone or iPad
- Clear history of every trade, even after you sell
- No automatic broker sync, so updates mean re-importing
- iPhone and iPad only
SmartFolio is a portfolio tracker that keeps everything on your device. You import trade history from a long list of brokers or a spreadsheet, then see every buy, sale and dividend per holding, time-weighted returns and expected income. There is no account and no bank connection, which is great for privacy but means imports are manual. For dividend investors who want a free, private overview, it is a strong pick.
Full SmartFolio review
VaultFlow
- No bank login and no subscription
- Bills, budgets and net worth in one place
- Export everything as a spreadsheet any time
- No automatic transaction sync
- Apple devices only, with no web or Android app
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.
Full VaultFlow review
