Full-featured finance. Completely free.
No ads. No data selling. Premium analytics for power users. Lifetime access for supporters.
Free
Everything you need to track, budget, and understand your money. No asterisks.
Free forever
- Full financial tracking (budgets, goals, investments, loans, bills, net worth)
- On-device AI chat & natural language queries
- AI auto-categorization & semantic search
- Multi-currency (USD, INR, EUR, GBP, JPY, CAD, AUD)
- Custom categories, tags & split transactions
- Budget rollover & bill reminders
- P2P sync — share with family, no cloud
- All current imports (CSV, PDF, SMS, bank notifications, desktop OCR)
- SQLCipher encryption & biometric auth
- Backup, restore & PDF export
- Android and iOS now; desktop and web as released
Premium
See the bigger picture.
per year — founding member price, locked in forever
- Everything in Free, plus:
- Advanced reports & spending trends
- Year-over-year comparisons
- Income vs expense analysis
- AI spending forecasts & anomaly detection
- Net worth history timeline
- Recurring transaction auto-detection
- Home screen widgets
- Enhanced investment analytics
Supporter
Back the mission. Get premium forever.
one-time payment — yours forever
Less than 1 year of Premium — lasts forever.
- Everything in Free + Premium
- Lifetime premium access (every feature, forever)
- Early access to in-progress features
- Supporter badge in your profile
- Priority feature requests
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 (7 currencies) | |||
| Custom categories, tags & split transactions | |||
| Budget rollover | |||
| Bill reminders | |||
| Goal milestones | |||
| PDF export | |||
| P2P sync (local network, no cloud) | |||
| Current imports (CSV, PDF, SMS, bank notifications, desktop OCR) | |||
| SQLCipher encryption & biometric auth | |||
| Backup & restore | |||
| Released platforms | |||
| Advanced reports & spending trends | — | ||
| Year-over-year comparisons | — | ||
| Income vs expense analysis | — | ||
| AI spending forecasts & anomaly detection | — | ||
| Net worth history timeline | — | ||
| Recurring transaction auto-detection | — | ||
| Home screen widgets | — | ||
| Enhanced investment analytics | — | ||
| Early access to new features | — | — | |
| Supporter badge | — | — | |
| Priority feature requests | — | — | |
| Lifetime access | — | — |
How we compare on cost
Most finance apps charge $8-10 per month. PocketVault is completely free. Premium analytics are optional at $12/year.
| App | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Popular Budgeting App | $109 | $218 | $327 |
| Cloud Finance App | $99 | $198 | $297 |
| iOS Finance App | $95 | $190 | $285 |
| PocketVault (Free) | $0 | $0 | $0 |
| PocketVault Premium | $12 | $24 | $36 |
PocketVault is free. Premium analytics just $12/yr — save $83+ vs competitors.
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 advanced analytics — not because we need to paywall basics.
What does "Founding Member Price" mean?
Early adopters get Premium at $12/yr instead of the standard $30/yr. This price is locked in for your account forever — it won't increase, even after we raise the price for new users.
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, AI, multi-currency, sync, encryption, and exports will always be free.
What happens if PocketVault shuts down?
Your data lives on your device, not our servers. You can export everything anytime (CSV, JSON, PDF). And PocketVault is open source — the community can maintain it regardless of what happens to us.
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. If you plan to use PocketVault for more than a year, it pays for itself.
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.