v1.0.0 - PocketVault 1.0 — Initial Release

The first public release of PocketVault. A complete money app with a private AI at its core — everything runs on your device.

The everyday app

Customizable dashboard — reorderable cards: net worth, spending health, recent activity, monthly trend, top categories
Transactions with categories, custom tags, transfers, and fast search
Budgets — weekly, monthly, quarterly, or yearly — with rollover and overspend alerts
Bills & subscriptions calendar with due-date reminders
Accounts (6 types), investments, loans, and retirement (401(k), IRA, PPF, NPS, EPF)
Net worth dashboard across assets and liabilities
Savings goals with pacing, plus Future Self projections, Money Replay, and a loan/mortgage payoff planner

AI chat over your real finances — ask anything, no cloud
Tool calling with human-in-the-loop: propose transactions, budgets, and savings goals for your approval
On-device auto-categorization and semantic search
Runs on Gemma models (Gemma 4 E2B/E4B, lightweight Qwen 0.6B), or Apple Foundation Models on iOS 26+ with no download

Bank SMS parsing (India, Android) for 10+ banks, with background import
SMS-forwarding shortcut on iOS
PDF bank statement import
Paste text or add manually, with duplicate detection and a review queue before anything is saved

Multi-currency: record transactions in USD or INR, converted into one net worth using built-in rates you can edit on-device
Region-aware for India and the US (terminology, banks, retirement accounts)

Android and iOS at launch; desktop and web build from the same Flutter codebase and follow

P2P local Wi-Fi sync and shared expenses
CSV import and receipt capture
Premium foresight: forecasts & anomaly alerts, advanced reports, spending trends, year-over-year, net-worth history, recurring detection, home-screen widgets