PocketVault: Budget Tracker

We can't see your money. By design.

PocketVault Finance tracks your budgets, bills and net worth, and answers questions about them, all on your iPhone. No bank login. No account. Turn on airplane mode and it keeps working.

You're the customer, not the product
No ads. No loan offers. No data sold. Your ledger isn't on our servers, so there's nothing to sell. PocketVault is paid for by the people who choose Premium.

Get your history in
• Bring in a PDF statement from any bank, or a CSV export, from Files or another app's Share button. It reads the figures on the page.
• Add the rest as you go. It takes a few seconds per entry.
• Categories come from your own history first, then a built-in merchant list, so you correct a category once.

What you can track
• Checking, savings and credit cards, in one ledger
• Weekly, monthly and yearly budgets, with progress as you spend
• Recurring bills, with reminders before they're due
• Your mortgage and other loans, investments and savings goals
• 401(k), IRA and HSA accounts
• Net worth across currencies, converted the same way wherever it's totaled

Ask in plain language
Ask how much went to dining last month, or what changed since spring. The answer is worked out on your iPhone, by the built-in model where your iPhone has one, or by a model you download once (about 2.6 GB). The figures are the app's own numbers, not the model's. Questions never leave the phone.

Free to track. Paid to forecast.
Everything you need to track your money is free. Premium adds forecasting and review: Spending forecast, Recurring charge detection, Subscription review, Payoff scenarios, Where this is heading, Money in & out, and Trends over time.

What it connects to, and when
Your financial data is stored encrypted on your iPhone and is never uploaded. The app goes online for things like:
• the one-time model download, if you choose it
• diagnostic logs, only when you send them
• the App Store's own check of whether you hold Premium
The complete list, and four ways to check it yourself, including a packet capture, are at pocketvault.finance/verify

One thing to know
Because nothing is stored on a server, there's nothing for us to restore. No company can shut your data down. Only you can lose it. Turn on backups and keep a copy off the phone.

Privacy Policy: https://pocketvault.finance/privacy
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/