Vaultwise

Vaultwise is a privacy-first personal finance tool built for people who want their financial data analyzed locally. It keeps processing on the user’s own device and presents itself as a complete personal finance toolkit with local AI at its core.

The product uses on-device language models to categorize transactions, detect patterns, and answer questions about spending without an internet connection. It can parse bank statements, receipts, and invoices, extracting structured data from financial PDFs with local OCR and intelligent parsing. It also provides visual dashboards that surface trends, anomalies, and saving opportunities, along with auto-generated reports and personalized saving recommendations. The workflow shown on the site includes importing statements in PDF, CSV, or OFX format, reviewing insights, asking questions in natural language, and exporting data.

Vaultwise is described as local-first and zero-knowledge, with no cloud sync, no telemetry, and no third-party analytics. The site says every feature runs locally, that no accounts or sign-ups are needed, and that the backend can run on a user’s own machine, a VPS, AWS, or other infrastructure the user controls. It is presented as available on web, mobile, and desktop, and the page also says it supports 100% local processing and end-to-end encryption.

The site invites users to get early access, but it does not state any pricing or licensing details.