Full-featured finance. Completely free.
No ads. No data selling. Premium foresight for those who want it. Lifetime access for supporters.
Free
Everything you need to track, budget, and understand your money. No asterisks.
Free forever
- 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
Foresight, not just records — where your money is headed, and what to do next.
per year — founding-member price, locked in forever
- 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
Back the mission. Get premium forever.
one-time payment — yours forever
Premium renews every year. This never does.
- 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.
Premium is a moat, not a paywall
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 — 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 runs it on your device. "Nothing shared" isn't a promise we make — it's the only thing our design allows.
Personal, not generic
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 | Supporter |
|---|---|---|---|
| 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, tags & transfers | |||
| Budget rollover | |||
| Bill reminders | |||
| Savings goals with pacing | |||
| Import (bank SMS, PDF, paste, manual) | |||
| SQLCipher encryption & biometric lock | |||
| Encrypted backup & restore | |||
| Android & iOS at launch | |||
| P2P sync (local network, no cloud) | Soon | Soon | Soon |
| Proactive forecasts & anomaly alerts | — | Soon | Soon |
| Advanced reports & spending trends | — | Soon | Soon |
| Year-over-year comparisons | — | Soon | Soon |
| Income vs expense analysis | — | Soon | Soon |
| Net-worth history timeline | — | Soon | Soon |
| Recurring transaction auto-detection | — | Soon | Soon |
| Enhanced investment analytics | — | Soon | Soon |
| Home-screen widgets | — | Soon | Soon |
| Early access to new features | — | — | |
| Supporter badge | — | — | |
| Priority feature requests | — | — | |
| Lifetime access | — | — |
How we compare on cost
Most finance apps charge a monthly subscription. PocketVault is completely free. Premium foresight is optional at ₹999/year.
| App | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Popular Budgeting App | $109 | $218 | $327 |
| Cloud Finance App | $99.99 | $199.98 | $299.97 |
| iOS Finance App | $95 | $190 | $285 |
| PocketVault (Free) | ₹0 | ₹0 | ₹0 |
| PocketVault Premium | ₹999 | ₹999 / yr | ₹999 / yr |
PocketVault is free. Premium foresight is just $12/yr — save $83+ a year vs competitors.
Competitor subscription prices shown in USD.
Frequently asked questions
Why is it free?
PocketVault 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. Premium makes it proactive and forward-looking — forecasts, anomaly alerts, deep trends, and planning that tell you what's coming and what to do about it. It's the one thing cloud apps can't replicate privately: an advisor that knows your whole financial life and never phones home.
What does "Founding Member Price" mean?
Early adopters get Premium at ₹999/yr instead of the standard ₹2,499/yr, locked in for as long as you keep the subscription — it won't increase, even after we raise the price for new users. Premium isn't open yet, so the way to claim it is to join the list; we'll come to you first when it opens.
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 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.
Annual or one-time — which should I choose?
Two ways to unlock the same foresight. Premium is ₹999/year and keeps the app funded so it keeps getting better. Supporter is a one-time payment for lifetime access — pay once, own it forever. At the founding price, Supporter costs about two and a half years of Premium, so it pays off from year three; against the standard ₹2,499/yr it pays off almost immediately. Either way, no data changes hands.
Is Supporter worth it if I already have Premium?
Supporter gives you lifetime premium (no more annual renewals), early access to features still in development, a badge, and priority on feature requests. At the founding price it overtakes an annual subscription in year three — and the early-access track is the real draw before then.
How do you make money?
Premium subscriptions and Supporter purchases. That's it. We don't sell data, show ads, use affiliate links, or upsell financial products. Our incentives are aligned with yours.