Throof | Envelope Budgeting

Most expense apps start working after you spend: How much? Where? When? By then the money is already gone, and the decision is over. Throof works before the spend. Split your salary into clear envelopes from day one — rent, groceries, savings, fun — so before any purchase you know: Is the amount available? Is it in my plan? Will it affect the rest of the month? Your money on a plan, not on vibes. ◆ POWERED BY AI • Smart SMS import: copy a purchase message from your bank and paste it into Throof — the amount, merchant, card, and date fill themselves in. Most messages are parsed right on your device; AI steps in only for the tricky ones. (Throof never accesses your messages — you choose what to paste.) • Reconcile from a photo: photograph your bank statement and AI reads the transactions and ending balance, shows you exactly what's missing, and brings your account back to reality. Undo anytime. • Smart Fund: tell Throof your paycheck and it drafts your whole month — bills first, then savings, then everyday spending. Review, tweak, commit. ◆ A COMPLETE ENVELOPE BUDGET • Four envelope types: spending, bills with due dates, savings goals, and flexible • Spending caps and targets with weekly, monthly, quarterly, or custom cadences — with a heads-up at 80% • Overspent an envelope? Cover it from another in two taps • Split one purchase across envelopes, transfer between accounts • Checking, savings, credit card, cash, and investment accounts • Loans with full amortization schedules — including interest-free loans • Track assets like property and vehicles, and see your true net worth • 5 reports, each compared to the period before — so next month's plan gets smarter ◆ PRIVATE BY ARCHITECTURE, NOT BY PROMISE • All your data lives on your phone — no server holds your budget • No account, no sign-up — download and start • Zero tracking, zero ads • Hide balances with one tap • Encrypted backups locked with a passphrase you choose ◆ ARABIC-FIRST, FULLY BILINGUAL Designed in Arabic from day one — not translated into it. Full right-to-left interface, recognizes Saudi bank SMS (Al Rajhi, SNB, Riyad Bank, Alinma, SABB, Bank Albilad and more) in Arabic and English, with Western digits as used in Saudi Arabia. Fully bilingual — you can even set a different language per budget. Throof is currently completely free — no ads, no subscription. Questions or ideas? support@throofs.com