Thrift: Budget & Money Tracker

See where your money really goes — without handing your bank logins to anyone. Thrift is a calm, private money tracker for people who want to understand their spending and quietly build wealth. No bank connections, no ads, no tracking — your financial data stays encrypted on your device, and you decide if and where it's ever backed up. Manual entry isn't a chore here — it's the point. The two seconds it takes to log a coffee is the moment you actually notice it. And logging is effortless: speak it, snap the receipt, or tap it in. — TRACK, YOUR WAY — • Log expenses by voice or receipt scan, processed on-device by default • Income, expenses & transfers with true double-entry accuracy • Recurring bills and paychecks that auto-log themselves • 30+ currencies with live conversion • Instant search, tags, merchant rules & a full audit trail — BUDGETS THAT ADAPT — • Simple monthly budgets per category • Unspent money rolls over instead of vanishing • See where you're over or under — clarity, not guilt — UNDERSTAND YOUR MONEY — • A monthly review: what changed, what it means, what to do • Clear trends, top movers & cash flow at a glance • A shareable snapshot of your month — BUILD REAL WEALTH — • Net worth tracked across every account, over time • Investment tracking with XIRR, allocation & auto-invest • A Financial Independence tracker with your FI number & Coast-FI • Savings goals and a debt payoff planner (snowball or avalanche) — PRIVATE BY DESIGN — Most money apps connect to your bank and read every transaction. Thrift never does — you choose what goes in. • SQLCipher encryption at rest, secured by a hardware-backed key • Face ID / Touch ID lock • Your core data makes zero network calls — it stays on your device • Encrypted backups to iCloud or Files, only when you choose • No accounts, no bank aggregators, no data brokers. Ever. — NO ADS. NOTHING SOLD. — Most "free" finance apps make money from your data. Thrift can't — we never have it. Gold is a simple subscription that keeps the app independent and ad-free, at a fraction of what the bank-syncing apps charge. — THRIFT GOLD — Thrift is free to track and budget. Gold unlocks the full wealth suite: net-worth history & allocation, investments, the FI tracker, debt payoff, budget rollover, auto-invest, merchant-rule automation, your yearly review, and optional investment-broker import (brokerages and crypto exchanges — never your bank). One subscription, monthly or annual, with a 7-day free trial on the annual plan. Money is complicated. Understanding it shouldn't be. Thrift helps you build awareness first and wealth second — all while keeping your financial life private. Download Thrift and start seeing your money clearly. Terms of Use (EULA): https://fintrail.net/thrift/terms Privacy Policy: https://fintrail.net/thrift/privacy Thrift Gold is an auto-renewable subscription (monthly or annual), with a 7-day free trial on the annual plan. Payment is charged to your Apple Account at purchase; it renews automatically unless canceled at least 24 hours before the period ends. Manage or cancel anytime in your Apple Account settings.