Everything you need to track your money is free
Recording and understanding your money costs nothing. We make money one way: people paying for the foresight features, monthly, yearly or bought outright.
Free
Everything you need to track, budget, and understand your money. No asterisks.
Free forever
or ₹0 a month, cancel whenever you like
- 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 & account transfers
- Budget rollover & bill reminders
- Import via bank SMS, PDF statements, CSV & 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
Where your money is headed, and what it is quietly costing you.
per year, cancel anytime
or ₹249 a month, cancel whenever you like
- Everything in Free, plus:
- Recurring charge detection: finds subscriptions you never told us about
- Money in & out: where the money actually moved, line by line
- Insights: what moved this month, and the transactions behind it
- Where this is heading: try a change and see where it lands you
- Spending forecast: where each budget lands if this month keeps going
- Subscription review: every recurring charge, ranked by its yearly cost
- Payoff scenarios: what paying extra actually buys you
- Score history: where your financial health has been, and why it moved
- Trends over time: which categories are climbing, and how this year compares
Bought inside the app through Google Play or the App Store. Cancel anytime. Your data stays yours, and every free feature keeps working.
Premium Lifetime
The same Premium, bought outright instead of rented.
one-time payment, no renewal
Premium renews. This never does.
- Everything in Premium, bought once
- Recurring charge detection: finds subscriptions you never told us about
- Money in & out: where the money actually moved, line by line
- Insights: what moved this month, and the transactions behind it
- Where this is heading: try a change and see where it lands you
- Spending forecast: where each budget lands if this month keeps going
- Subscription review: every recurring charge, ranked by its yearly cost
- Payoff scenarios: what paying extra actually buys you
- Score history: where your financial health has been, and why it moved
- Trends over time: which categories are climbing, and how this year compares
Bought inside the app. It does not cancel a subscription you already have, so cancel that separately in your store account.
What Premium actually buys you
The free app already gives you a private, on-device AI that reads your finances and answers anything. Premium is where it stops describing your past and starts shaping your future, with foresight no cloud app can match because ours never leaves your phone.
Private by architecture
Every cloud finance app runs its intelligence on servers that hold your data. PocketVault Finance runs it on your device. "Nothing shared" is the only thing our design allows, so you never have to take it on trust.
Tuned to your money
A generic chatbot doesn't know your bills, your goals, or your currencies. Premium foresight is built on your full history: proactive alerts, forecasts, and planning tuned to your money alone.
Better the more you use it
The more you track, the sharper the foresight gets. That compounding is the point, and it's why a shallower app can never quite catch up to the intelligence you've built here.
We can't sell your data, so we ask you to fund the app instead. Your money buys foresight, not surveillance. That's an alignment cloud apps structurally can't offer.
Compare all features
| Feature | Free | Premium |
|---|---|---|
| Financial tracking (budgets, goals, investments, loans, bills) | ||
| On-device AI chat & natural-language queries | ||
| AI categorization & semantic search | ||
| Multi-currency (record in USD or INR) | ||
| Custom categories & transfers | ||
| Budget rollover | ||
| Bill reminders | ||
| Savings goals with pacing | ||
| Import (bank SMS, PDF, CSV, manual) | ||
| SQLCipher encryption & biometric lock | ||
| Encrypted backup & restore | ||
| Android & iOS at launch | ||
| P2P sync (local network, no cloud) | Soon | Soon |
| Your year in money | ||
| Recurring charge detection | — | |
| Money in & out | — | |
| Insights | — | |
| Where this is heading | — | |
| Spending forecast | — | |
| Subscription review | — | |
| Payoff scenarios | — | |
| Score history | — | |
| Trends over time | — |
How we compare on cost
Tracking your money in PocketVault Finance costs nothing in year one and every year after. The foresight features are ₹2,499/year if you want them.
The cloud finance apps this is usually compared against are US products billed in dollars, so a three-year total against them tells you little from here. The number that matters in India is the one above: ₹2,499 a year, or nothing at all if tracking is all you need.
Frequently asked questions
Why is it free?
PocketVault Finance runs entirely on your device. We don't have cloud servers to pay for, we don't use Plaid, and we don't monetize your data. Our costs are low, so yours can be too. Premium exists for users who want forward-looking foresight, not because we need to paywall basics.
What makes Premium worth paying for?
Free gives you a private, on-device AI that answers questions about your money, plus every report and chart of what you've already spent. Premium is the part that acts on it: finding recurring charges you'd forgotten, pricing each subscription by the year, modelling extra loan payments, and projecting where your net worth lands. It's the one thing cloud apps can't replicate privately: an AI that reads your whole financial life and never phones home.
How do I cancel?
Subscriptions are billed by Google Play or the App Store, so you cancel in your store account, anytime. Your data stays on your device and every free feature keeps working. Buying Premium Lifetime does not cancel a subscription you already have, so cancel that separately.
Will the free tier get worse over time?
No. Features that are free today will remain free. We don't do bait-and-switch. Our commitment: core financial tracking, on-device AI, multi-currency, encryption, and backups will always be free.
What happens if PocketVault Finance shuts down?
Your data lives on your device, not our servers. You can back up and export your data anytime, and because everything runs on-device with no server dependency, the app you installed keeps working even if we're not around.
Yearly or one-time: which should I choose?
They unlock exactly the same capabilities, so this is a billing question and nothing else. Premium is ₹2,499 a year or ₹249 a month, and keeps the app funded so it keeps getting better. Premium Lifetime is a single payment of ₹5,999 with nothing to renew. It costs less than three years of the yearly plan, so it pays for itself in the third year. Either way, no data changes hands.
Does Lifetime unlock anything Premium doesn't?
No. There is one paid tier and both products buy it. Lifetime removes the renewal, and that is the entire difference. We would rather charge two ways for one honest tier than invent a third one.
How do you make money?
Premium subscriptions and one-time Premium purchases. That's it. We don't sell data, show ads, use affiliate links, or upsell financial products. Our incentives are aligned with yours.