Private Expense Tracker
Your financial data belongs to you — and only you
The Problem
Free finance apps aren't really free. They sell your data, show you ads, and share your spending with third parties.
The Solution
Pocket Clear has a simple business model: you pay $4.99/month for Pro. That's it. No hidden monetization.
How It Works
Encrypted Cloud Sync
AES-256-GCM at rest on our servers, for the data you choose to sync.
No Data Selling
We have never sold your data, and there is no pipeline that could. On the free tier it never leaves your device — and optional Pro cloud sync is encrypted in transit and at rest on our servers.
No Ads
Zero advertisements. Ever. We promise.
No Bank Linking
We never ask for bank credentials. We never will.
"After Mint sold my data for ads, I switched to Pocket Clear. Night and day difference. — David"
Why Financial Privacy Matters
Pocket Clear's local-first, no-bank-linking design eliminates these risks entirely.
Take Back Your Privacy
Free forever. Pro features for $4.99/month.
Privacy Comparison: Expense Tracker Apps
| Privacy Feature | Pocket Clear | YNAB | Monarch | Mint (defunct) |
|---|---|---|---|---|
| Bank linking | Never | Required | Required | Required |
| Data stored | On device (encrypted sync optional) | Their servers | Their servers | Intuit servers |
| Financial data on company servers | None unless you enable sync | Always | Always | Always |
| Third-party SDKs | None | Analytics SDKs | Analytics SDKs | Ad + analytics SDKs |
| Ads | None | None | None | Yes (personalized) |
| Sells data | No | No | No | Yes (to Intuit partners) |
| AI training opt-out | N/A (no data collected) | Unknown | Unknown | No opt-out |
Switching from a Bank-Linked App
If you're leaving Mint, YNAB, or another app that required bank linking, the switch is straightforward. Pocket Clear doesn't import your bank history — and that's the point. You start fresh with manual tracking, which research shows leads to 15-20% lower spending because you're aware of every transaction you record. Most users find the transition takes about a week before manual entry becomes second nature.
Frequently Asked Questions
Is Pocket Clear truly private?
Yes. All your financial data is stored on your device, and we never upload it to our servers without your explicit permission. If you do turn on Pro cloud sync, it travels over TLS 1.3 and is stored encrypted at rest with AES-256-GCM — the same cipher used by banks and the military.
Does Pocket Clear share or sell my data?
Never. We do not sell, share, or analyze your financial data. We have zero access to your transactions. Your data belongs to you alone.
Does Pocket Clear use my data for AI training?
Never. Your financial data is never used for AI training, machine learning, analytics, or any form of data mining. This is a core principle we will never compromise on.
What happens to my data if my phone is stolen?
Your data is protected by your phone's own storage protection and locked behind your PIN or biometrics. Even if someone has physical access to your phone, they cannot read your expense data without your credentials.
Do I need to connect my bank account?
No — never. Pocket Clear uses manual entry only. We never ask for banking credentials, account numbers, or any financial institution access. Your bank stays completely separate from the app.
Does Pocket Clear have ads that track me?
No. Pocket Clear has zero ads, forever. No banner ads, no video ads, no ad trackers, no analytics SDKs that profile you. We generate revenue only from Pro subscriptions.