FinLocker vs AsterKey
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FinLocker
This app helps you manage your finances, get mortgage-ready, and search for homes. It organizes account balances, transactions, credit scores, and spending analysis in one place. You can also track your budget and access personal finance articles and videos.
- Financial dashboard
- Budget tracking and alerts
- Free credit score and report
- Mortgage readiness assessment
- Real estate property search
- Secure data sharing
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FinLocker is a financial digital assistant available to you free through an invitation from your trusted financial partner, financial advisor, lender, credit union, bank, realtor, mortgage broker, or from a direct invitation from the FinLocker team. We help you get mortgage ready and manage your financial life. Organize in one place: Your FinLocker dashboard summarizes important financial information such as: account balances, transactions, net worth, budgeting, credit score, cash flow analysis, estimated home value, spending analysis, offers and promotions from your financial institution, and an information center with personal finance articles and videos, all in one place. Budgeting: Understand what you are spending and where. Track your spending by categories and drill down into subcategories. Receive alerts if you are off track or confirmation if you are on track. Free Credit Score, Report and Monitoring: Your credit score is prominently displayed in your dashboard - and it doesn't cost you anything. Track changes month to month and learn the key factors that make up your score like length of credit, timely payment history, utilization of credit, total accounts opened and inquiries. Don't worry, this is a "soft credit pull" meaning there is no impact to your score by checking it. Look through your credit report for accuracy. Access helpful articles that explain credit bureaus, credit score, and more. Prepare: Work with your financial partner or institution to best prepare you for home ownership by planning for a down payment, establishing reserves, managing your debt to income ratio, improving or maintaining your credit, loan scenarios through our calculators, establish your projected loan to value, and more. Visit the readiness assessment in your app to see a snapshot of your credit overview, debt to income ratio, cash reserves, employment, down payment and sales price. Search Properties: Looking for your first home? Want to move up, or downsize? Use your locker to search local and nationwide real estate listings. Find homes that match what you can afford. See open houses, customize searches, favorite properties you like and save your searches. Share: When you are ready to move forward with a financial transaction, you choose what accounts to share with your financial institution. All data is always encrypted. Security: Security is our #1 job so you can feel confident that the financial accounts you’ve connected and documents you’ve uploaded are secure. See more here: https://www.finlocker.com/security/ Privacy: Your privacy is important to us. To learn how we protect your privacy, visit: https://www.finlocker.com/privacy-policy/
AsterKey
This privacy-focused personal finance app keeps all your financial data securely on your device. It offers powerful tools like net worth tracking and financial dashboards without uploading or selling your information. Generate proof-of-funds anonymously and protect your identity with encrypted, ad-free management.
- On-device data storage
- Net worth tracking
- Financial dashboard
- Proof of funds generation
- Encrypted data
- Ad-free experience
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Take control of your finances-without giving up your privacy. - AsterKey is a privacy-first personal finance app that keeps all your financial data securely on your device. Unlike all mainstream financial apps we never store your information on our servers. - No uploads. No selling. No tracking. No ads. Ever. - Get powerful financial tools trusted by thousands of users-including homebuyers, high-net-worth individuals, privacy-conscious customers, and professionals requiring discretion. Key Features: Net Worth Tracker: - Monitor your assets, debts, and savings growth in a clean, intuitive view. Financial Dashboard: - See all your financial accounts, cash, and investments in one secure place. Mortgage Prep & Proof of Funds: - Instantly generate lender-ready proof-of-funds or DTI snapshots - anonymously. Encrypted & Ad-Free: - AES-256 device-level encryption. - No cloud syncing - No data collection - No ads or trackers Why AsterKey? - Other apps profit from your data - we don’t. - Your financial data never leaves your device. - AsterKey cannot access your personal or financial information - you stay in complete control. - Protect your identity with proprietary Email Masquerading when sharing financial docs. - Generate anonymous proof-of-funds without sharing sensitive info. - End-to-end encrypted, zero-knowledge architecture. - Zero-proof data storage for maximum security. AWARD-WINNING FINANCIAL SOFTWARE: - Winner: "Fintech Product of the Month" – Product Hunt - Endorsed by Sanjiv Das (Former CEO, CitiMortgage) - Top-rated for privacy, security, and financial management tools Who Benefits Most - Homebuyers needing secure documentation - High-net-worth individuals requiring discretion - Military personnel & government employees - Victims of data breaches seeking protection - Privacy-focused millennials & Gen Z - Anyone frustrated with financial apps mishandling data Experience the future of private personal finance: - Download AsterKey today - the secure way to track your money, build your future, and stay in control. - Free to download. Zero ads. Zero tracking. Total privacy.
Screenshots
Verdict
The clearest difference is rating: AsterKey at 5.0 against FinLocker's 3.9. AsterKey also leads on monetization model (free vs ad-supported) and iOS requirement (12.0 vs 15.0). On price, review sentiment, ratings volume and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AsterKey holds the better App Store score, 5.0 against 3.9. Both are backed by a comparable volume of ratings — 19 and 18 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
FinLocker ships an update monthly, AsterKey every 6 weeks. The most recent releases landed on August 23, 2026 and June 5, 2026 respectively.
| Parameter | FinLocker | AsterKey |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (19 ratings) | 5.0 (18 ratings) — better |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 19 — better | 18 |
| Update frequency | Monthly — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 114 MB | 76 MB |
| Age rating | 12+ | 4+ |
| Developer | Finlocker LLC | Aster Key, LLC |
Customer experience
FinLocker
AsterKey
In-app purchases
FinLocker
No in-app purchases
AsterKey
No in-app purchases








