# thrust: Net Worth & Budget — Offline, private money tracker

> Offline, private money tracker (iPhone/iPad app by Andrei Kondrykau.)

- Source: https://appshunter.io/ios/app/thrust-net-worth-and-budget/id6757976821 (this page in markdown: same URL + `.md`)
- Developer: [Andrei Kondrykau](https://appshunter.io/developer/1870054203)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 9+
- Requires: iOS 26.0 · 180 MB
- Languages: American English, Belarusian, Bangla, Bulgarian, Catalan, Croatian, Czech, Danish, Dutch, Estonian and 37 more
- Released: 2026-02-25
- Data updated: 2026-11-09

## What is thrust?

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.

Ask thrust anything 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 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. 40+ languages. iPhone on iOS 26 and newer, plus iPad.

Terms of Use (EULA): https://www.thrust.finance/terms
Privacy Policy: https://www.thrust.finance/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Thrust Pro — Monthly | $4.99 | per month |
| Thrust Pro — 1 Year | $39.99 | per year |
| Thrust Pro — Weekly | $1.49 | per 7 days |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Thrust Pro Lifetime | $149.99 | one-time |
| Tip Jar Lunch | $2.99 | one-time |
| Tip Jar Coffee | $1.99 | one-time |
| Tip Jar Super Tip | $4.99 | one-time |
| Tip Jar Dinner | $3.99 | one-time |


## Is thrust safe?

Not enough ratings yet to assess thrust.

## Is thrust legit?

thrust: Net Worth & Budget has limited verification signals. The AppsHunter Legitimacy Score for thrust is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.261106 — 2026-11-06

A quick follow-up fix for Apple Pay Sync.

A new look for thrust. The Hub opens with one summary of your day: what you can spend, what changed, and the one thing worth doing next. Below it, thrust noticed shows what stood out in your money and what to do about it. Financial health splits into three plain scores: Cushion, Spending and Growth.

Make the Hub yours. Reorder its blocks and put Capital right on the main card.

Easier analytics. Picking a period takes one tap, and charts across the app are redone: clearer, and showing how this month compares with your average.

Repeat it your way. Set a payment to repeat on chosen weekdays, or turn any past operation into a recurring one. A goal can now hold money across several accounts.

Apple Pay Sync (Beta). Apple Pay purchases land in thrust on their own after a five-step setup. Find it in Settings → Adding transactions → Apple Pay Sync. Right next to it, Payments to check collects your banks' notifications for you to confirm.

Also new: a fresh onboarding, a new voice input, iPhone Duo support, cleaner budgets, smoother screen transitions with no stutter, and the chat frees up space when you haven't used it for a month.

### 1.261104 — 2026-11-05

A new look for thrust. The Hub opens with one summary of your day: what you can spend, what changed, and the one thing worth doing next. Below it, thrust noticed shows what stood out in your money and what to do about it. Financial health splits into three plain scores: Cushion, Spending and Growth.

Make the Hub yours. Reorder its blocks and put Capital right on the main card.

Easier analytics. Picking a period takes one tap, and charts across the app are redone: clearer, and showing how this month compares with your average.

Repeat it your way. Set a payment to repeat on chosen weekdays, or turn any past operation into a recurring one. A goal can now hold money across several accounts.

Apple Pay Sync (Beta). Apple Pay purchases land in thrust on their own after a five-step setup. Find it in Settings → Adding transactions → Apple Pay Sync. Right next to it, Payments to check collects your banks' notifications for you to confirm.

Also new: a fresh onboarding, a new voice input, iPhone Duo support, cleaner budgets, smoother screen transitions with no stutter, and the chat frees up space when you haven't used it for a month.

### 1.260927 — 2026-10-02

Spending, categories and pace now show what is usual for you.

- Spending shows your everyday pace, with rent and other scheduled payments kept apart, so a rent day no longer looks like a spending spree
- Each category shows its usual range from the last three months and tells you when this month runs above it
- One big day no longer flattens a chart: the scale stays readable and the peak keeps its real amount on top
- Flip to the previous or next transaction right inside the transaction card
- While you enter an expense, you see what will be left on the account
- Amounts show whole numbers by default. Turn cents back on in Personalization
- Monthly budgets can start on your payday
- Tap your net worth to choose which accounts count toward it
- Swipe to delete or mark as paid, with five seconds to undo
- Portuguese is now complete for Brazil and for Portugal
- A new launch animation, and news and guides from the Thrust community in Settings

Your money stays on your iPhone. As always.

### 1.260911 — 2026-09-12

Thrust CFO now answers in the language you ask in.

- Ask a question in any language and the answer comes back in that language, with amounts written the way you read them. The greeting at the top of the chat reads properly again
- The type of a saved transaction can now be changed while you edit it, and an expense can be marked as a payment on a loan. The editor opens with a proper animation and tags are picked in your accent color
- The feedback screen and receipt scanning no longer freeze, and a refused account deletion no longer locks the app
- The app opens fast, and so do the overview, the transactions list and subscription detection

Your money stays on your iPhone. As always.

### 1.260908 — 2026-09-09

The shared-finance fix you have been waiting for.

- Transactions you add now reach your partner. A single account being edited on both phones at once used to block the whole queue, so nothing else got through either
- Crypto accounts keep their real value on every phone, instead of being reset to zero by a device that does not hold the wallets
- Deleting a transaction no longer flashes an error on its way out
- The app opens faster, and so do the overview, the transactions list and subscription detection

Your money stays on your iPhone. As always.

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## Related topics

[thrust](https://appshunter.io/ios/topics/thrust)

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*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 2026-11-09.*