It's close: VaultFlow edges it 8.4 to 8.4, so the right pick depends on what you need. VaultFlow wins on 1 of the 5 scores, Tricount on 3, with 1 tied.
Budgeters who want a free, private app and don't mind importing statements
Friends, roommates and couples who share costs and want it simple
Score by score
The details
| Feature | VaultFlow | Tricount |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #7 of 12 | #9 of 12 |
| Developer | The Big Head | bunq |
| Pricing | Free | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | — | ✓ |
Common questions
Is VaultFlow better than Tricount?
It's close: VaultFlow edges it 8.4 to 8.4, so the right pick depends on what you need. VaultFlow wins on 1 of the 5 scores, Tricount on 3, with 1 tied.
Which is cheaper, VaultFlow or Tricount?
VaultFlow: Free, no subscription, no ads, no in-app purchases. Tricount: Free and unlimited, with no subscription, ads or daily expense cap. On value for money, VaultFlow scores higher.
Do VaultFlow and Tricount work on the same devices?
Only Tricount runs on Android.
Which is more private, VaultFlow or Tricount?
VaultFlow scores higher on privacy (9.6/10). No account or bank login; data stays on the iPhone or iPad you use and does not sync yet. Only ticker symbols and currency codes go out for prices. App Store label: financial info, not linked to you.
Strengths and weaknesses
VaultFlow
- No bank login, no subscription and no ads
- Bills, budgets and net worth in one place
- Export everything as a spreadsheet any time
- No automatic bank feeds; you import statement files yourself
- No sync between devices yet, and no Android or web app
VaultFlow covers spending, bills and net worth in four simple places, Home, Spending, Bills and Wealth, and it does it without asking for your bank password. You import your bank's statement file (CSV, OFX or QFX) instead, and duplicates are skipped. Bills remind you one to three days before they are due, budgets sit on each category, and the wealth view tracks accounts, cards, investments, property and loans. It needs more manual effort than Monarch and does not sync between devices yet, but it costs nothing and keeps your data on your device.
Full VaultFlow review
Tricount
- Free with no ads or daily expense cap
- Handles uneven splits and foreign currencies
- Friends can see what they owe without the app
- Promotes its owner bunq's bank account
- Identifiers are used for tracking
Tricount does one job well: keeping a group trip, a shared flat or a couple's spending fair. Everyone logs what they paid, Tricount works out who owes whom, even across currencies and uneven splits, and payment requests show who has settled. It's free with no ads or expense caps, works offline, and can import your old Splitwise groups. It belongs to the bank bunq, so expect a few nudges toward a bunq account.
Full Tricount review
