Disclosure: VaultFlow is ours, and it is listed first. It gets the same four fields as every other app, including its drawbacks.
Short answer
For a free Apple-only money app with no bank login, our pick is VaultFlow. For free linked budgeting, Rocket Money.
Copilot Money is an Apple Editor’s Choice and an Apple Design Award finalist — spending, budgets, investments and net worth on web, iPhone, Mac and iPad. After a one-month free trial it is a subscription.
Here is what else fits people who love Apple-quality apps but not another monthly bill.
Switch to VaultFlow if
- You want it free
- You want no bank login
- You mainly check your net worth
Stay with Copilot Money if
- You want automatic categorised spending
- You use it on the web and Mac
- Its design keeps you engaged
At a glance
| App | Best for | Pricing |
|---|---|---|
| VaultFlow (ours) | People who want their whole net worth in one place without giving an app their bank login | Free |
| Copilot Money | Apple users who want the best-designed budgeting app | Subscription after a 1-month free trial |
| Monarch | Couples budgeting together | Membership after 7 days |
| Rocket Money | Free budgets plus subscription help | Free tier plus Premium |
| YNAB | Method-driven budgeters | Subscription after a free month |
| Empower | A free linked net worth dashboard | Free dashboard; optional paid advisory |
The apps in detail
VaultFlow
Ours
- Best for
- People who want their whole net worth in one place without giving an app their bank login
- Highlights
- Assets, debts, property and investments in one net worth, with live prices for holdings
- Import the CSV, OFX or QFX statement your bank already gives you — duplicates skipped
- Or let ChatGPT, Claude or Gemini do the typing with ready-made prompts
- No bank login and no account; your data stays on your device and exports any time as a spreadsheet
- Pricing
- Free
- Watch out
- There is no automatic bank sync — to update, you import the statement file your bank lets you download (CSV, OFX or QFX) or add numbers yourself. It needs iOS 26.2 or later and runs on iPhone and iPad only.
Copilot Money
- Best for
- Apple users who want the best-designed budgeting app
- Highlights
- Spending, budgets, investments and net worth
- Web, iPhone, Mac and iPad
- Apple Editor’s Choice
- Pricing
- Subscription after a 1-month free trial
- Watch out
- Not free.
Monarch
- Best for
- Couples budgeting together
- Highlights
- Net worth and budgets
- Bills calendar
- Partner access
- Pricing
- Membership after 7 days
- Watch out
- Not free.
Rocket Money
- Best for
- Free budgets plus subscription help
- Highlights
- Free budget features
- Subscription finder
- Categories
- Pricing
- Free tier plus Premium
- Watch out
- Best features paid.
YNAB
- Best for
- Method-driven budgeters
- Highlights
- Shared plans
- Bank import
- Net worth
- Pricing
- Subscription after a free month
- Watch out
- Not free.
Empower
- Best for
- A free linked net worth dashboard
- Highlights
- All accounts
- Net worth
- Free dashboard
- Pricing
- Free dashboard; optional paid advisory
- Watch out
- Leads to advisers.
Beautiful and free
Most beautiful money apps are subscriptions because bank connections cost money to run. VaultFlow skips the connection: you import your bank’s statement file or let ChatGPT, Claude or Gemini do the typing with ready-made prompts, and investments get live prices.
No account and no subscription; your data stays on your device and exports any time as a spreadsheet.
Common questions
Is Copilot Money free?
Copilot is a monthly or annual subscription after a one-month free trial.
What is a free alternative to Copilot Money?
Rocket Money’s free tier or Empower for linked accounts; VaultFlow for a free net worth without a bank login.
Does VaultFlow work on Mac?
VaultFlow runs on iPhone and iPad.
App Store listings checked on 27 September 2026. Prices change — each entry describes how an app is paid for rather than a number that goes stale.
Published · No affiliate links
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