Your money, your data, your device.
The personal finance app that keeps everything on your device. AES-256 encrypted. No cloud. No bank credentials needed. Just you and your finances.
Free forever. Premium from just $1/month.
Total Balance
$12,450.00
Groceries
Today
-$45.80
Salary
Yesterday
+$3,200.00
Starbucks
Yesterday
-$5.50
Everything you need. Nothing you don't.
Full-featured finance tracking with privacy as the foundation, not an afterthought.
Privacy by Design
AES-256 encrypted database. Your data never leaves your device. No accounts, no cloud, no tracking.
Learn moreOn-Device AI
AI-powered categorization, semantic search, and financial insights. All running locally on your device.
Learn moreMulti-Currency
Track finances in 7 currencies. Built for NRIs managing money across borders.
Learn moreP2P Local Sync
Share expenses and sync devices over your local WiFi. No cloud servers. End-to-end encrypted.
Learn moreSmart Import
Import from any bank. CSV, OFX, PDF, SMS parsing, and receipt OCR. No bank credentials needed.
Learn moreTruly Cross-Platform
Starting on Android and iOS, expanding to Web, Windows, macOS, and Linux. Native performance everywhere.
Learn moreYour financial privacy is non-negotiable.
Every major finance app routes your data through cloud servers, shares it with third parties, and requires your bank credentials. PocketVault proves you don't need to sacrifice privacy for powerful features.
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AES-256-CBC encryption via SQLCipher
Your database is encrypted at rest. The key lives in your device's secure enclave (Keychain, Keystore, DPAPI).
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Zero data collection
No analytics, no telemetry, no crash reports. We don't collect your name, email, or any personal information.
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AI that stays on your device
Local LLM inference via llama.cpp. Your transactions never leave your phone for AI processing.
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Your data survives anything
No cloud means no company shutdown can take your data. Export anytime to CSV, JSON, or PDF.
Privacy Audit
How PocketVault compares
See why privacy-first doesn't mean feature-second.
| Feature | PocketVault | YNAB | Monarch | Copilot |
|---|---|---|---|---|
| Privacy-first (no cloud) | ||||
| No bank credentials needed | ||||
| On-device AI | ||||
| Annual cost | $12/yr | $109/yr | $99/yr | $95/yr |
| Works offline | ||||
| Multi-currency | 7 currencies | Limited | Limited | |
| Cross-platform | Android & iOS (more coming) | Web + Mobile | Web + Mobile | iOS/Mac only |
| AES-256 encryption | ||||
| P2P sync (no server) | ||||
| SMS/OCR/PDF import | ||||
| Encrypted backup & restore | ||||
| Savings goals & loan tracking |
All trademarks are the property of their respective owners. PocketVault is not affiliated with or endorsed by these companies.
Powerful features. Tiny price.
No ads. No data selling. Less than a coffee per month. Cancel anytime.
Free
Free forever
Everything you need to start tracking your finances privately.
- Unlimited transactions
- AES-256 encrypted database
- Basic AI categorization
- Spending summaries & charts
- Multiple accounts & dashboard
- Savings goals & loan tracking
- Bill calendar
- Tag tracking
- Encrypted backup & restore
- Full data export (CSV, JSON)
- Dark mode & themes
- Works 100% offline
- No account required
Premium
per month, or $12/year
Advanced features for serious financial tracking.
- Everything in Free, plus:
- Advanced reports & visualizations
- Custom categories & budgets
- Budget rollover
- Investment & net worth tracking
- Net worth history
- Multi-currency support (7 currencies)
- AI forecasting & anomaly detection
- Natural language queries
- Bill reminders & notifications
- Tag-based splits & analysis
- Advanced import (OFX, SMS, OCR, PDF)
- P2P local WiFi sync
- Shared expense groups
Save $83+ per year compared to other finance apps. See full pricing details →
Available everywhere
Take control of your financial privacy.
Try the finance app that respects your data. Free to start. Premium from $1/month. No account required.