Finally, I Know Where My Money Goes
Super useful for tracking spending, budgets, and staying on top of my finances.
Free
In-App Purchases
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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.
✓Manual expense and income logging
✓Voice and receipt scanning for entries
✓Customizable monthly budgets with rollover
✓Net worth tracking and investment monitoring
✓Financial Independence (FI) tracker
✓Debt payoff planner
✓Encrypted on-device data storage
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What's New in Thrift
1.1.0
August 26, 2026
Organize your categories, plus fixes to the numbers. • New: drag a category onto another to nest it, or tap the scissors to pick one up and place it anywhere. Budget settings, then Organize categories. • Recurring rules can carry tags now, and every transaction they create gets them. • A parent category's budget now covers its subcategories, so your monthly plan and what's left to spend add up. • Rollover no longer carries forward more than a category actually had spare. • Unusual-spend alerts work again after a large purchase. A single big buy used to hide everything after it. • The interest reminder clears when you log the interest to a different account.
MoreSubscription plans
Thrift Gold — Monthly
Full Wealth suite & automation, billed monthly.
$6.991 Month
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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.