Most people can't answer a simple question: what do I actually own right now?
The money's scattered. Current account here, savings there, a bit of crypto, some shares, the flat, the car you'd sell if things got tight. Six apps and a spreadsheet, and the spreadsheet is four months stale.
Thrust puts all of it on one screen and then tells you what to do about it.
EVERYTHING YOU OWN, IN ONE NUMBER
Cash and cards across 20+ currencies with live rates. Crypto held on-chain. Stocks and ETFs (via third-party APIs, currently in preview — prices may be delayed). Property. And the long tail nothing else takes seriously: the car, the gold, the loan to your brother, the stake in a friend's company.
Everything converts into one real net worth figure. If you earn in one currency and spend in another, the conversion is handled for you, including in budgets.
AND THEN, WHAT TO DO NEXT
Other apps show what already happened. Thrust shows what's next.
Safe to Spend is one number that answers whether today's purchase is fine. Not a category breakdown you have to interpret — the answer.
Budgets track their own pace, project where the month actually lands, and warn you about a cash-flow squeeze while there's still time to do something.
AI CFO answers questions in plain English. How long until I hit the deposit? What's changed since last month? Can I afford this? It works with no signal at all, on a plane, in a tunnel, anywhere.
GETTING DATA IN, WITHOUT THE CHORE
Apple Pay purchases land on their own. Hold the mic and say what you spent. Photograph a receipt. Import a CSV, and Thrust helps untangle the formatting. Or type it in. Rules file things automatically, so your iced matcha lands in Coffee instead of sitting in “misc” forever, and Smart Tags cut across categories when you want a whole trip in one place.
AT A GLANCE
Nine Home Screen widgets — net worth, balances, safe to spend, spending chart, budget progress, goals, upcoming bills, streak and quick add. A Lock Screen widget. Live Activities while you're out spending. Complications on Apple Watch.
THE PART THAT ISN'T NEGOTIABLE
Every calculation runs on your iPhone. Not on a server that happens to be encrypted — on your phone. Your amounts and transactions are never sent anywhere.
There's no bank login and no aggregator, because there's nothing to connect. Nothing to breach, nothing to sell, no analytics SDK riding along on your financial data. Ghost Mode is the kill switch: flip it and all outgoing traffic stops.
iCloud backup is encrypted and yours to control. The architecture isn't a compromise we're working around. It's the reason the app exists.
TRY IT WITHOUT COMMITTING
Demo Mode fills the app with realistic data so you can look around before you type in a single real number.
Built by one person, in the EU, in the open. 12 languages. iPhone on iOS 26 and newer, plus iPad and Mac.
Terms of Use (EULA): https://www.thrust.finance/terms
Privacy Policy: https://www.thrust.finance/privacy
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