Powerful features. Unbeatable price.
No ads. No data selling. Less than the price of a coffee per month. Cancel anytime.
Free
Everything you need to start tracking your finances privately.
Free forever
- 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
Advanced features for serious financial tracking.
per month, or $12/year
- 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
How we compare on cost
Most finance apps charge $8-10 per month. PocketVault Premium is $1/month — saving you hundreds over time.
| App | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| YNAB | $109 | $218 | $327 |
| Monarch | $99 | $198 | $297 |
| Copilot | $95 | $190 | $285 |
| PocketVault | $12 | $24 | $36 |
Save $83+ per year compared to other finance apps
Frequently asked questions
Is PocketVault really free?
Yes. The free tier includes unlimited transactions, encryption, basic AI categorization, savings goals, loan tracking, bill calendar, encrypted backup, and all core features. No account required, no trial period, no feature lockout timers.
What's the difference between Free and Premium?
Premium unlocks advanced reports, budget rollover, investment & net worth tracking, multi-currency support, AI forecasting, natural language queries, bill reminders, P2P sync, shared expenses, and advanced import methods (OFX, SMS, OCR, PDF).
Why a subscription model?
A subscription ensures sustainable development and continuous improvement. At $1/month ($12/year), PocketVault remains dramatically cheaper than alternatives — 88% less than YNAB and Monarch — while letting us keep delivering updates, new features, and platform support. No commitments: cancel anytime.
Can I upgrade later?
Absolutely. Start with Free and upgrade whenever you want. All your data stays on your device regardless of which plan you're on.
What happens if I cancel?
You keep using Premium features through the end of your current billing period. After that, you revert to the Free tier. Your data always stays on your device regardless. Refunds are handled through the Google Play Store or Apple App Store.
How do I subscribe?
Subscriptions are managed through the Google Play Store (Android) or Apple App Store (iOS). Download PocketVault, then upgrade to Premium from within the app. Desktop and web users can link their mobile app store subscription.