VaultFlow

Budget, bills and net worth — in one free app

VaultFlow is on the App Store Budget, Bills & Net Worth · Free

See the money you have, where it went this month, what's due next and everything you own and owe — in four simple places: Home, Spending, Bills and Wealth. Import your bank's statement file; no bank login, and your data stays on your device.

What it looks like

Four places and a big + in the middle. Nothing here is a mockup — these are screenshots of the app.

Coming in 5.0 A brand-new VaultFlow: four simple places — Home, Spending, Bills and Wealth — one + for money in and out, any number of credit cards, and bank statement import. Type amounts the way you say them, search every month at once, see what’s paid this month in Bills, and budgets that suggest a limit from your usual spending. A new icon, too.

VaultFlow Home: money you have across chequing, savings and a card owed, net worth, and this month's spending against a monthly limit — Home

VaultFlow Spending for September: spent so far, money in, and where it went by category with a budget bar on each — Spending

VaultFlow Bills: bills each month, what is due this week and later, each with a Mark paid button — Bills

VaultFlow Wealth: net worth with a chart over time, what you own and owe, and your accounts with Move money — Wealth

Checking a bank statement before importing: new items, updates and duplicates already there, across accounts, transactions and bills — Import

VaultFlow Reports: how much you saved this month, spending compared with last month, and a chart of where it went — Reports

Plans and Goals: an emergency fund and a trip, each with progress and how much to save a month — Goals

The Add sheet: expense, income, bill or paycheque, import a lot at once, or move money, a budget, a goal, a stock or crypto — Add anything

VaultFlow on iPad: the Home screen with money you have, spending and what's due — iPad

Take Control of Your Finances

🏠 Home at a glance

The money you have, what you've spent this month against your limit, and what's due next. One + button adds money out or in — set it to repeat and it becomes a bill or regular income.

🧾 Spending & budgets

Where your money went, with a budget and its own colour on each category. Refunds lower your spending instead of counting as income. Search by name, category or note.

📅 Bills

Everything due this week and later. Mark a bill paid and it comes off the right account — a mortgage payment pays down the mortgage — with Undo, and a reminder one to three days before.

💎 Wealth

Accounts, any number of credit cards (each with its own balance and limit), investments with live prices, your home, loans and goals on one page. Edit, sell or remove anything, and move money between accounts with Undo.

📥 Import & Export

Bring in your bank's statement file (CSV, OFX or QFX) — duplicates are skipped — or describe your money in plain words. Export everything as a spreadsheet any time.

📈 Reports that make sense

Did you save this month? Tap any category to see where the money went, plus where you spend most, bills versus everyday spending, where money came from and your monthly average.

Bring your money in — in minutes

No bank login needed. Import the statement file your bank's website already gives you, let ChatGPT, Claude or Gemini do the typing with our ready-made prompts, or just describe your finances in your own words.

Bank statementCSV, OFX or QFX from your bank. Duplicates are skipped.
Use AICopy a prompt, paste the result back into VaultFlow.
Describe itType it in plain words; filled in privately on your iPhone.

Read the import guide →

Questions

Is VaultFlow free?

Yes — free on the App Store, no subscription.

Does it sync between my devices?

Not at the moment. Your data stays on the iPhone or iPad you use, and VaultFlow has no servers, so we can't see it. To keep a copy or move to a new device, use Settings → Export my data, then import that file on the other device.

Does it log in to my bank?

No. There is no bank or brokerage login anywhere in the app. You add your accounts, property and debts yourself, or import the statement file your bank's website lets you download (see the import guide). Investment holdings are valued with live market prices.

Which devices does it run on?

iPhone and iPad, on iOS 26.2 or later.

Is there a free budget app in Canada with no subscription?

VaultFlow is free with no subscription, and it works with any Canadian bank that lets you download a CSV, OFX or QFX statement — it never connects to your bank.

Where VaultFlow is compared

Every roundup on this site names competitors and gives every app, ours included, a stated drawback.

Best Net Worth Tracker Apps for iPhone (2026 Guide)

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Net worth tracker guide

Honest comparisons that include the alternatives, not only our own app.