We can’t see your money. By design.
PocketVault Finance tracks your budgets, bills and net worth, and answers questions about them, all on your phone. No bank login, no account to create. Turn on airplane mode and it keeps working.
PocketVault Finance AI
Answers from your records
Today
Ask about your spending, bills and budgets. I answer from your records, right here on this phone.
What did I spend the most on in August?
Rent, at $1,450.00. That was 38% of what you spent in August.
The everyday app
Everything your money needs, in one place
A complete money app, with the daily tools on the surface and 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.
$24,580.42
Budgets you can see coming
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 Finance works out the monthly amount to hit it, and tells you whether you’re running ahead or behind.
Transactions, organized
Categories, transfers between accounts, and search that finds it as you type. Imported items land in a review queue so nothing slips in wrong.
Ask, on the device
It reads your records, and has nowhere to send them
A cloud chatbot has to ship your finances to a server before it can answer anything. This one runs on your phone: it pulls in the records your question is about, answers from those, and has no server to send them to afterwards.
The model is a one-time download of about 2.6 GB, and it is optional. Tracking, budgets, bills, import and every report work without it. On iPhones with Apple Intelligence the app uses Apple's built-in model instead, and there is nothing to download at all.
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Ask in plain language
It reads your actual transactions, bills and budgets, and answers from those rather than from guesswork.
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The numbers are the app’s
Totals come from the same calculations the app’s own screens use, and a figure it can’t match to them is held back. It looks things up and never changes a record.
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See what’s coming
Where this is heading projects your net worth years ahead, so you can change course while it still makes a difference.
Where this is heading · projected net worth
$342,800
by 2035, at 7% growth and 5% inflation
An estimate from assumptions you set, not a guarantee. Growth, inflation and horizon are sliders in the app, and the figure moves as you move them.
Try asking
We can't read your data, and neither can anyone else.
Cloud finance apps protect your transactions with contracts. PocketVault Finance protects them by never moving them. Monarch, the category leader, publishes what its AI does: your transaction data goes to third-party LLM providers under agreements that bar storage and training, and AI categorisation is one of the features that “can’t be opted out of.”
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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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No analytics SDK, enforced by the build
Our release pipeline scans every build for Firebase, Crashlytics, Sentry, Amplitude, Mixpanel, PostHog and Segment endpoints, and fails on a match. Four things can ever leave your device and you start all four: feedback you type into this website, a diagnostic log if you send one, the one-time AI model download, and a purchase receipt. See the full list.
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An AI that never phones home
Ask a question about your money and an on-device model answers from the records it pulls in, reading them and never changing them. Gemma runs on the phone itself; on recent iPhones, Apple's built-in model does instead.
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No company can shut your data down. Only you can lose it.
If PocketVault Finance disappears tomorrow, your ledger stays on your phone and exports whenever you want. The flip side is real: no cloud also means no cloud copy. Set up an encrypted backup on day one, and it is the one step we will nag you about.
Privacy audit
How PocketVault Finance compares
Everything the $95–$109/yr cloud apps charge for, kept on your phone. Tracking is free, and the foresight features are $48 a year.
Privacy-first (no cloud)
$109/yr
✕
$99/yr
✕
$95/yr
✕
No bank credentials needed
$109/yr
✕
$99/yr
✕
$95/yr
✕
On-device AI
$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 (Where this is heading)
$109/yr
✕
$99/yr
✕
$95/yr
✕
Everything you need to track your money is free
Everything you need to record and understand your money costs nothing. We make money one way: people paying for the foresight features.
Free
Free forever
or $0 a month
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 & 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
per year, cancel anytime
or $4.99 a month
Where your money is headed, and what it is quietly costing you.
- 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
one-time payment, no renewal
The same Premium, bought outright instead of rented.
- 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.
Premium is bought inside the app, through Google Play or the App Store: $48 a year, $4.99 a month, or $129 once. Tracking stays free either way. See full pricing details →
Keep your finances to yourself.
Every feature you need is free, and there's no account to create. Download it and your data stays on your device.