Free App, Fair Premium: How PocketVault Finance Pricing Works
PocketVault Finance launches with a simple pricing principle: the tools you need to track and understand your money are free. Premium is for people who want the app to look forward rather than only record the past, and it funds an app that can’t (and won’t) sell your data.
What’s free
Every PocketVault Finance user gets the full everyday app at no cost:
- Full tracking: budgets, goals, investments, loans, bills, net worth
- On-device AI chat and natural-language queries over your real finances
- AI auto-categorization and semantic search
- Multi-currency: record in USD or INR and read one consolidated net worth
- Custom categories & transfers
- Budget rollover and bill reminders
- Savings goals with pacing
- Import: bank SMS, PDF statements, CSV, and manual entry
- SQLCipher encryption, biometric lock, and encrypted backup & restore
Import (bank SMS, PDF, CSV, and manual) is free. P2P sync, shared expenses, and receipt import are on the way, and they’ll be free when they land.
Why free
These features are core to what PocketVault Finance promises. Gating multi-currency behind a paywall while positioning ourselves as the app for NRIs wouldn’t sit right. Gating encrypted backup while saying “your data, your control” would be contradictory. So we don’t.
Because PocketVault Finance runs on your device, we don’t pay for cloud servers or a bank-linking service, and we have nothing to sell, neither data nor ads. That’s why the everyday app can be free.
What Premium is for
Premium is foresight and recovered money: where your finances are headed, and what they are quietly costing you. Charts of the past stay free because they describe a decision rather than changing one. Five capabilities are built in the app today:
- Recurring charge detection: find subscriptions and repeating charges you never entered as bills.
- Money in & out: you kept money this month but your balance fell. This is where the difference went, and every row adds up.
- Where this is heading: change one thing, like saving a bit more each month, and see where it lands you years out.
- Subscription review: every recurring charge ranked by what it costs you per year, and which few account for most of it.
- Payoff scenarios: what paying extra on a loan actually buys you, in months saved and interest avoided.
Pricing: $48/year, or $4.99/month if you would rather not commit to a year. Those are US prices; the pricing page shows the price in your region.
Bought in the app. Premium is bought inside PocketVault Finance through Google Play or the App Store, and a subscription can be cancelled anytime.
Premium Lifetime
Prefer to pay once? Premium Lifetime is $129 one-time: the same capabilities listed above, with nothing to renew, for a little under three years of Premium at the annual price. Buying it does not cancel a subscription you already have, so cancel that separately.
It is worth being blunt about what it is not. It unlocks no extra features, carries no badge, and buys no special treatment. There is one paid tier, and this is the other way to buy it. We would rather charge two ways for one honest tier than invent a third one to justify the higher number.
Which is right for you
- Free: everything you need to track, budget, and understand your money. Most people can stop here.
- Premium ($48/yr or $4.99/mo): the capabilities above, cancel anytime.
- Premium Lifetime ($129 once): the same thing, bought outright. Against the annual plan it pays for itself in the third year.
No ads, no data selling, no upsells on financial products. Our only income is Premium, however you choose to pay for it, so our incentives point the same way yours do.
Questions? Check our pricing page or the FAQ.