Choosing a version

Vestora on your machine, or Vestora in the cloud

Same numbers, same statement readers, same tax engine. What changes is where your financial data sits, and how statements get in.

The short answer

Take the cloud version if you want Vestora on your phone, or if forwarding a statement email and having it appear is worth more to you than where the file lives.

Take the computer version if the idea of your financial data sitting on somebody else's server bothers you — even a bit. That is what it is for.

Moving from the computer version to the cloud version later is built in: you make one file of your data and upload it in the web app, after seeing what will come across. The other way, from the cloud to the computer version, is not built yet. Today that means bringing your statements in again and re-entering anything you typed by hand.

What you can actually get today

CloudAvailable now

Free early access. Works in any browser, and installs to a phone home screen.

Try Vestora Cloud free

DesktopInvite-only

Windows only for now. We will be in touch after you ask.

Request an invitation

The differences that decide it

Only the rows where the two genuinely differ. Anything not listed here works the same on both.

What	Cloud	On your computer
Where your financial data sits	On our servers, encrypted	In a file on your own machine
Encrypted on diskThe computer version's file is protected by your Windows account, by BitLocker if you use it, and by the app-lock. Backups you export can be password-protected.	Yes	No
Values kept up to dateThe cloud version fetches fresh prices and recalculates overnight, even while you are away. The computer version does it when you open the app, or when you ask it to.	Every night	When you open it
Open it on your phoneThe computer version is one Windows machine. There is no sync between machines.	Yes	No
Forward a statement email and it appearsOn your computer you drag the file in, or drop it into a folder the app watches.	Yes	No
The app keeps a copy of your original statementOn your computer the file stays where you put it. The app records which file your data was read from.	Yes	No
Weekly summary emailSending email needs a server, and the computer version does not have one.	Yes	No
Delete all your dataThe computer version has no delete button: your data is one folder on your own machine, and Profile shows you where it is. Deleting that folder removes it, and nothing has to be trusted.	Yes, from inside the app	Delete the data folder
The app learns your spending categoriesCorrections you make are not remembered on the computer version yet.	Yes	No
Sign-in account neededThe computer version creates a local identity instead.	Yes	No
Works with no internetBoth need connectivity to fetch fresh prices.	Partly	Yes
Who holds the backupCloud backups run nightly and are checked. They restore to the last nightly copy, not to the moment before a problem. On your computer, backup and restore are built in and the copy is yours.	We do	You do
Getting updatesThe computer version checks on launch, downloads a signed build, and installs it when you next open it.	Instant	Automatic

What is identical on both

This is not a cut-down version. The engine is the same code.

Every asset class — funds, stocks, ETFs, NPS, EPF, PPF, gold bonds, deposits, loans, cash
The same statement readers, so the same file produces the same rows
Capital gains against the actual Indian rules, including grandfathering and indexation
AIS, Form 26AS and Form 16 reconciliation, and the ITR filing pack
Returns, allocation, risk and benchmark analytics
Goals, budgets, expenses, subscriptions and insurance
Tap a headline figure to see where it came from

What each one actually means for your privacy

The cloud version — Honest Cloud

Encrypted in transit and at rest, walled off so no other user can reach it, never sold, never shared, never mined. Statements are read by ordinary deterministic code, so AI never sees them.

But we can read your data. We have to, to compute your numbers and keep prices current. It is not the kind of system where even we cannot see it — and if anyone tells you their cloud product works that way, ask them how it recalculates your portfolio overnight.

The computer version

Your statements, holdings, amounts and names sit in a file on your machine. We cannot see them. There is no account on our servers holding your money data — unless you choose to move it to the web app, which uploads it.

Otherwise, three things do leave your machine, and we would rather tell you than have you find them:

A check that your invitation key is valid — the key and a random device identifier, roughly once a day.
Anonymous usage counts — which kind of statement you imported, whether it worked, roughly how many transactions, and a random identifier. Never an amount, a name, a file name, or what an error said. You can switch this off in Profile, then Security.
A price lookup. To show what things are worth today it sends the identifiers of what you hold — an ISIN or scheme code, nothing else. Never a quantity, a value, what you paid, a folio number, or your name.

So on the computer version, what you hold could be worked out. How much, never.

We spell this out because on-device is the kind of phrase that quietly implies more than it delivers, and a promise you cannot check is worth nothing.

Still deciding?

Start on the cloud version — it takes no setup. If you think you may want your data only on your own computer, start on the computer version instead: moving from it to the cloud later is built in, but moving the other way is not yet.

Try Vestora free Read the full privacy detail

The short answer

Take the cloud version if you want Vestora on your phone, or if forwarding a statement email and having it appear is worth more to you than where the file lives.

Take the computer version if the idea of your financial data sitting on somebody else's server bothers you — even a bit. That is what it is for.

What

Cloud

On your computer

Where your financial data sits

On our servers, encrypted

In a file on your own machine

Encrypted on diskThe computer version's file is protected by your Windows account, by BitLocker if you use it, and by the app-lock. Backups you export can be password-protected.

Yes

Values kept up to dateThe cloud version fetches fresh prices and recalculates overnight, even while you are away. The computer version does it when you open the app, or when you ask it to.

Every night

When you open it

Open it on your phoneThe computer version is one Windows machine. There is no sync between machines.

Yes

Forward a statement email and it appearsOn your computer you drag the file in, or drop it into a folder the app watches.

Yes

The app keeps a copy of your original statementOn your computer the file stays where you put it. The app records which file your data was read from.

Yes

Weekly summary emailSending email needs a server, and the computer version does not have one.

Yes

Delete all your dataThe computer version has no delete button: your data is one folder on your own machine, and Profile shows you where it is. Deleting that folder removes it, and nothing has to be trusted.

Yes, from inside the app

Delete the data folder

The app learns your spending categoriesCorrections you make are not remembered on the computer version yet.

Yes

Sign-in account neededThe computer version creates a local identity instead.

Yes

Works with no internetBoth need connectivity to fetch fresh prices.

Partly

Yes

Who holds the backupCloud backups run nightly and are checked. They restore to the last nightly copy, not to the moment before a problem. On your computer, backup and restore are built in and the copy is yours.

We do

You do

Getting updatesThe computer version checks on launch, downloads a signed build, and installs it when you next open it.

Instant

Automatic