# Thrift: Budget & Money Tracker — Spending, Savings & Net Worth

> Spending, Savings & Net Worth (iPhone/iPad app by A.H.M. Shahnur Alam.)

- Source: https://appshunter.io/ios/app/thrift-budget-and-money-tracker/id6789925502 (this page in markdown: same URL + `.md`)
- Developer: [A.H.M. Shahnur Alam](https://appshunter.io/developer/948388684)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.5 · 106 MB
- Languages: American English
- Released: 2026-08-20
- Data updated: 2026-08-23
- User reviews in markdown: https://appshunter.io/ios/app/thrift-budget-and-money-tracker/id6789925502/reviews.md

## What is Thrift?

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.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Thrift Gold — Monthly | $6.99 | per month |
| Thrift Gold — Annual | $49.99 | per year |



## Version history (last 1 release)

### 1.0 — 2026-08-20

No release notes.

## More apps by A.H.M. Shahnur Alam

- [WP. Download Manager](https://appshunter.io/ios/app/wp-download-manager/id6667108601)
- [Waqt: Prayer Times & Quran](https://appshunter.io/ios/app/waqt-prayer-times-and-quran/id6759221355)

All apps by A.H.M. Shahnur Alam: https://appshunter.io/developer/948388684

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-23.*