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 picture of your net worth with no bank login, our pick is VaultFlow. For free budgeting with linked accounts, Rocket Money’s free tier.
YNAB (You Need A Budget) is a method as much as an app: give every dollar a job. People swear by it. It is also a subscription after a one-month free trial.
If you want the method, YNAB is the tool. If you want to see where your money stands without a monthly fee, these are the alternatives.
Switch to VaultFlow if
- You want to track net worth, not budget every dollar
- You don’t want a subscription
- You don’t want to link your bank
Stay with YNAB if
- The YNAB method changed your finances
- You share a budget with up to six people
- You want automatic bank import
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 |
| YNAB | People committed to the give-every-dollar-a-job method | Subscription after a free month |
| Rocket Money | People who want free budgets and subscription cancelling | Free tier plus Premium |
| Monarch | Households budgeting together | Membership after a 7-day trial |
| Copilot Money | Apple users who want great design | Subscription after a 1-month trial |
| Empower | People who want a free linked 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.
YNAB
- Best for
- People committed to the give-every-dollar-a-job method
- Highlights
- Plans shared with up to six people
- Bank import
- Net worth tracking
- Pricing
- Subscription after a free month
- Watch out
- Not free, and the method takes commitment.
Rocket Money
- Best for
- People who want free budgets and subscription cancelling
- Highlights
- Free budget features
- Subscription finder
- Budgets by category
- Pricing
- Free tier plus Premium
- Watch out
- Best features paid.
Monarch
- Best for
- Households budgeting together
- Highlights
- Net worth and budgets
- Bills calendar
- Partner access
- Pricing
- Membership after a 7-day trial
- Watch out
- Not free.
Copilot Money
- Best for
- Apple users who want great design
- Highlights
- Budgets, investments, net worth
- Web, iPhone, Mac, iPad
- Editor’s Choice
- Pricing
- Subscription after a 1-month trial
- Watch out
- Not free.
Empower
- Best for
- People who want a free linked dashboard
- Highlights
- All accounts in one place
- Net worth
- Free dashboard
- Pricing
- Free dashboard; optional paid advisory
- Watch out
- Leads to paid advice.
Budget method or money picture?
YNAB answers “what should this dollar do?”. Many people really want “where do I stand?”.
VaultFlow answers the second: import the statement file your bank provides (CSV, OFX or QFX), add property and debts, and see your net worth and its history — free, with no bank login.
Common questions
Is YNAB free?
YNAB is free for 30 days, then a monthly or annual subscription.
What is a free alternative to YNAB?
Rocket Money’s free tier for budgets; VaultFlow for a free net worth with no bank login.
Can VaultFlow import bank statements?
Yes — CSV, OFX or QFX files from your bank’s website, with duplicates skipped.
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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