FAQ

Is PocketVault really free?

Yes. The free tier includes full financial tracking, on-device AI chat, natural language queries, multi-currency, P2P sync, current import methods, custom categories, budget rollover, bill reminders, encryption, and PDF export. Premium analytics (advanced reports, AI forecasting, investment tracking) are available for $12/year (founding member price, normally $30/year).

Where is my data stored?

On your device only. PocketVault uses an encrypted SQLite database (SQLCipher, AES-256) stored locally. No data is sent to any server.

What happens if I lose my phone?

PocketVault includes encrypted backup and restore. Go to Settings > Backup to create an AES-encrypted backup protected by a password you choose. Restore it on any device by importing the backup file and entering your password.

Does the AI need internet?

No. All AI features run on-device using Gemma models (via flutter_gemma). You need internet only to download the AI models initially — the default model (Gemma 4 E2B) is about 2.6GB, with a lightweight option (Qwen 0.6B, 586MB) available for devices with less storage. On supported iOS devices, Apple Foundation Models work with no download at all. Once downloaded, everything works fully offline.

Can I sync between devices?

Yes, using the P2P sync feature (included free). Devices must be on the same local WiFi network. Sync is direct between devices with no cloud server involved.

Which platforms are supported?

Android and iOS are the primary release targets. Web, Windows, macOS, and Linux are built from the same Flutter codebase, but native-only features such as SQLCipher, local AI, biometrics, and P2P sockets vary by platform and release status.

How do I import from other apps?

Export your data as CSV from your current app, then use PocketVault’s CSV import feature (Settings > Import > CSV). The flexible column mapper works with any CSV format.

How do subscriptions work?

Premium analytics is available as a $12/year subscription (founding member price, normally $30/year), managed through Google Play or the Apple App Store. There’s also a Supporter tier at $29.99 one-time for lifetime premium access. You can cancel anytime — your data stays on your device and the free features continue working. Desktop and web users can link their mobile subscription.