Your private financial advisor — and it lives on your phone.
PocketVault tracks your budgets, bills, and net worth — then answers anything you ask, with AI that runs entirely on your device. No bank logins. No cloud. No account.
PocketVault AI
Reading your finances…
Today
Ask me anything about your money — I read it all right here on your device.
Can I afford a ₹40,000 Goa trip in March?
Yes. After your EMIs and SIP, you're on pace to have about ₹52,000 spare by March.
Goal created · Goa Trip
₹40,000 · by Mar 2027
The everyday app
Everything your money needs, in one place
Not a stripped-down tracker. A complete money app — the daily tools on the surface, the private AI underneath.
A dashboard you arrange
Open to exactly what you care about. Drag cards to build your own home screen — net worth, spending health, recent activity, monthly trend, top categories.
₹18,45,200.00
Budgets that hold the line
Envelope budgets per category, tracked live against real spending. Roll unused money forward and get an alert before you overspend.
Never miss a bill
A calendar of every bill and subscription, with reminders before each due date and the true monthly cost of what you subscribe to.
Your whole net worth
Every account, investment, loan, and retirement fund in one number. Assets and liabilities, tracked across currencies.
Goals with a pace
Set a target and a date. PocketVault tells you the monthly amount to hit it — and whether you’re running ahead or behind.
Transactions, organized
Categories, tags, transfers, and split-second search. Imported items land in a review queue so nothing slips in wrong.
The part no cloud app can copy
An advisor that knows everything, and tells no one
A cloud chatbot has to send your finances to a server to answer. PocketVault's AI runs on your device — so it can read your entire financial life and still leak nothing. That's not a policy. It's the architecture.
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Ask in plain language
It reads your real history — transactions, budgets, goals — and answers grounded in your money, not generic advice.
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It doesn't just answer — it acts
Create a budget, set a savings goal, or add a transaction just by asking. The advisor does the work.
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See what’s coming
Future Self projects your net worth years ahead so you can change course now — not after the fact.
Future Self · projected net worth
₹1.24 Cr
by 2035, at your current pace
Try asking
Your financial privacy is non-negotiable.
Every major finance app routes your data through cloud servers, shares it with third parties, and requires your bank credentials. PocketVault proves you don't need to sacrifice privacy for powerful features.
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AES-256-CBC encryption via SQLCipher
Your database is encrypted at rest. The key lives in your device's own secure storage (Keychain, Keystore, DPAPI).
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Zero data collection
No analytics, no telemetry, no crash reports. We don't collect your name, email, or any personal information.
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A financial advisor that never phones home
A private, on-device AI reads your full history and answers anything — Gemma models run right on your phone. No cloud app can offer this privately.
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Your data survives anything
No cloud means no company shutdown can take your data. Keep an encrypted backup you can restore anywhere, and export your data anytime.
Privacy Audit
How PocketVault compares
Everything the $95–$109/yr cloud apps make you pay for — private, and mostly free.
Privacy-first (no cloud)
$109/yr
✕
$99/yr
✕
$95/yr
✕
No bank credentials needed
$109/yr
✕
$99/yr
✕
$95/yr
✕
On-device AI advisor
$109/yr
✕
$99/yr
✕
$95/yr
✕
Annual cost
$109/yr
$109/yr
$99/yr
$99.99/yr
$95/yr
$95/yr
Works offline
$109/yr
✕
$99/yr
✕
$95/yr
✕
Financial foresight (Future Self)
$109/yr
✕
$99/yr
✕
$95/yr
✕
Full-featured. Free forever.
No ads. No data selling. Every feature you need, at no cost.
Free
Free forever
Everything you need to track, budget, and understand your money. No asterisks.
- Full tracking — budgets, goals, investments, loans, bills, net worth
- On-device AI chat & natural-language queries
- AI auto-categorization & semantic search
- Multi-currency — record in USD or INR, one consolidated net worth
- Custom categories, tags & account transfers
- Budget rollover & bill reminders
- Import via bank SMS, PDF, paste & manual entry
- SQLCipher encryption & biometric lock
- Encrypted backup, restore & data export
- Android & iOS at launch; desktop & web to follow
- P2P sync — share with family, no cloud Soon
Premium
per year — founding-member price, locked in forever
Foresight, not just records — where your money is headed, and what to do next.
- Everything in Free, plus:
- Proactive forecasts & anomaly alerts before you ask Soon
- Advanced reports, spending trends & year-over-year Soon
- Income vs expense analysis Soon
- Net-worth history timeline Soon
- Recurring transaction auto-detection Soon
- Enhanced investment analytics Soon
- Home-screen widgets Soon
Premium isn’t on sale yet — the app ships free while foresight is built. Join the list and we’ll offer you the founding price the day it opens, locked in for good.
Supporter
one-time payment — yours forever
Back the mission. Get premium forever.
- Everything in Free + Premium
- Lifetime premium — every foresight feature, forever
- Early access to in-progress features
- Supporter badge in your profile
- Priority feature requests
Also opening after launch. Join the list to be told first.
Free forever, and free today — Premium foresight opens after launch at ₹999/yr for founding members. See full pricing details →
Take control of your financial privacy.
Download the finance app that respects your data. Free forever with every feature you need. No account required.