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About
This app offers a private and secure way to track your spending, manage budgets, and build wealth. It focuses on manual entry through voice, receipt scans, or typing, ensuring your financial data remains encrypted on your device without bank connections.
What's New in Thrift
1.2.0
September 19, 2026
Group your categories, see where the month actually went, and fix a balance that has drifted. • New: category groups. Put related categories in a group and see their total at a glance. A group is just a label: budgets and transactions belong to the categories inside it, so there is nothing to work out. If you had nested categories, they are now groups with the same names. • New: a full spending breakdown. Tap the SPENT figure on Budget to see this month against last month, a daily chart, and every category ranked with its share. • New: edit an account's balance. Enter what your bank actually says and Thrift adds 1 transaction for the difference, so your ledger and your balance agree. • New: the Yearly view in Insights appears as soon as 1 month has finished, covering the months of this year that are complete. It used to wait for the whole year. • Organize Categories is rebuilt: one list per type, groups as tinted bands with their categories inside, and a walkthrough on the help button. • The Budget screen now shows how much you have spent outside your budgets, and the chart accounts for it. • Restoring a backup made by an earlier version of Thrift works again. It could previously fail and leave nothing restored. • The daily spending chart now matches the Budget tab. It could show a larger budget than you had actually set. • Fixed the monthly projection, which could forecast spending several times higher than reality. • You can delete a recurring rule after it has created transactions. Past transactions stay in your history. • Wealth insights show your own currency instead of dollars. • Every category row opens its detail screen, so you can rename, recolour or delete a category without giving it a budget first. • Clearer labels on the spending chart, and it explains itself when there is nothing to plot yet. • Redesigned colour and icon pickers. • Long account and category names no longer overlap the amount in lists.
MoreSubscriptions & In-App Purchases
Thrift Gold — Monthly
Full Wealth suite & automation, billed monthly.
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FAQ
Does Thrift have ads?
No, Thrift is completely ad-free. The app explicitly states 'NO ADS. NOTHING SOLD.' to emphasize its commitment to user privacy and an uninterrupted experience.
What is Thrift Gold?
Thrift Gold is a subscription that unlocks advanced wealth-building features like net worth history, investment tracking, the FI tracker, debt payoff planner, and budget rollover. The core app is free for basic tracking and budgeting.
How much does Thrift Gold cost?
Thrift Gold offers two subscription plans: a monthly option for $6.99 and an annual option for $49.99. The annual plan includes a 7-day free trial.
Is my financial data secure with Thrift?
Yes, security is a core feature. Your financial data is encrypted at rest using SQLCipher and stored on your device. It makes no network calls and is only backed up to iCloud or Files when you choose.
Can I connect my bank accounts to Thrift?
No, Thrift is designed for privacy and does not connect to your bank accounts. All financial data is entered manually through voice, receipt scan, or typing.
What devices does Thrift support?
Thrift is available for iPhone and iPod. The app is rated for ages 4 and up.
How often is Thrift updated?
The latest version, 1.1.0, was released on August 26, 2026, indicating recent development activity. Updates are crucial for maintaining security and adding new features.
What are the main benefits of using Thrift over other finance apps?
Thrift's primary benefit is its strong emphasis on privacy, with no bank connections and all data encrypted on-device. It also offers a calm, manual entry experience that encourages awareness of spending habits.






