Everything it does, it does on your phone
A complete money app with an on-device AI at its core. Every feature is built local-first, with no cloud and no tracking.
An AI that never leaves your phone
Ask about your spending, bills and budgets, and it answers from your records, right on your phone. It looks things up; it never changes them.
- Chat over your real finances, with no cloud and no API calls
- Read-only: it has no way to add, edit or delete a record
- Figures come from the same calculations the app's screens use
- Finds the records a question is about, so "coffee" reaches "Blue Bottle"
- Runs on Gemma, or Apple Intelligence on iOS 26+
Semantic matches
Starbucks
Today
-$5.50
98% match
Blue Bottle Coffee
Yesterday
-$6.75
95% match
Dunkin' Donuts
3 days ago
-$4.25
91% match
Your data stays on your device
Your database is AES-256 encrypted and never leaves your device. There are no accounts, no cloud, and no tracking, because there's nowhere for any of it to go.
- SQLCipher AES-256 encryption at rest
- Key held in platform secure storage (Keychain, Keystore, DPAPI)
- No analytics SDK, and the release build fails if one appears
- Biometric app lock (fingerprint / face)
- Encrypted backup, restore & full data export
Privacy Audit
All checks passed
Your finances span borders
Record transactions in dollars or rupees and see one consolidated net worth. Built for global households moving money across borders.
- Record in USD or INR
- Per-transaction currency with built-in conversion rates you can edit
- US + India retirement accounts (401k, IRA, HSA, EPF, NPS)
- Consolidated multi-currency net worth
- Base currency in USD or INR
Net Worth
$48,250.00
USD Account
Checking + 401(k)
$32,100
INR Account
PPF + NPS
₹10,50,000
INR Savings
Salary account
₹3,00,000
Import from any bank without credentials
Bring in transactions without handing over bank logins. PDF statements, CSV, forwarded messages or manual, all parsed on-device and reviewed before they land.
- PDF statements from Chase, Bank of America, Capital One, Discover and SoFi
- CSV import with column mapping
- SMS via Shortcut on iOS
- Add manually in seconds
- Duplicate detection & a review queue before anything saves
- Rules you correct once, and they stay corrected
Import Transactions
Bank SMS
10+ banks
PDF Statement
Bank statement
Add Manually
Type it in
CSV File
Any bank export
3 duplicates detected and skipped
One codebase, native on every platform
One Flutter codebase, real native performance. Launching on Android and iOS, with desktop and web to follow.
- Android & iOS at launch
- Offline-first, works with no connection
- Single Flutter codebase, native performance
- Your data moves with encrypted backup
PocketVault Finance Desktop
PocketVault Finance
See where your money has been drifting
Two years of your own history, read back to you. Which categories are climbing, what came in against what went out, and how this month compares with the same month last year.
- Every category ranked by how much money moved, not by percentage
- Money in against money out, month by month
- This month and this year against the same run a year earlier
- An unfinished month is compared at the same day of both
- Tap any figure through to the charges behind it
Trends over time
What is climbing
Ranked by how much money moved, not by percentage
Dining
above your usual month
Groceries
below your usual month
Rent
as usual
This month against last year
A month still running is compared at the same day of both, so an unfinished month is never measured against a whole one.
Share and sync without a cloud
Share expenses and sync devices directly over your local network, end-to-end encrypted with no cloud servers. Rolling out after launch.
- Direct device-to-device sync over WiFi
- QR-code pairing, no account
- ECDH pairing + HMAC-SHA256 integrity
- Shared expense groups with splits
- Settlement tracking
iPhone 15
Primary
MacBook Pro
Secondary
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.